BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-27
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

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 2023-12-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Countless of Soft inquires is on my credit report as a result of Identity theft and the credit agencies refuse to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: WI
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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I requested via First Class US Mail on XXXX XXXX and subsequently on XXXX XX/XX/2020 since I did not receive a reply from my first request for a copy of my Full File ( Consumer Report Disclosure ) as I was declined by XXXX  XXXX from information that you provided them contained within my credit file and I enclosed a copy of their correspondence and to date ( over thirty days to obtain a report ) I have not received a reply from them. In my conclusion Equifax behavior is willful and they have failed to abide by the FCRA and under the FCRA : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: NJ
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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The items listed are wholly inaccurate and incomplete, revealing a significant error in their reporting. I kindly request the removal of this misleading information and urge you to ensure the provision of an amended credit profile to all creditors who have received a copy within the last six months, or the last two years for employment-related purposes. 

1. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. The status is incorrect for the following account XXXX XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. The status is incorrect for the following account Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

1. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. The status is incorrect for the following account Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

1. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. The status is incorrect for the following account Account Number : XXXX Please correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had an account that was closed due to me being lied about by XXXX and XXXX XXXX. I had put in my original application when I first opened my checking account that I received social security. XXXX XXXX started a confrontation with my mother but the police stuck up for XXXX XXXX even after we had told the police. 

When she told my mom why don't you take your XXXX XXXX XXXX back in your home. XXXX and XXXX were both screaming at my mother using profanity but then whining and crying to the police that my mother screamed at them in front of their son. When XXXX had his son hanging on his shoulder screaming at the top of their XXXX at my mother. 

How would he feel like. If I screamed at his mother like that. My reputation was tarnished when they told the police I was filming their kid along with their friends kid also. Which I never did. This lie along with me being XXXX XXXX was being spread around Wells Fargo bank. XXXX and XXXX are the criminals here not us. Everyone seems to believe their side of the story. 

Banks are responsible for their employees action. If they went in customers private information to look at their application. Because I listed I received social security. 

Wells Fargo bank owes me for mental anguish harassment abuse because they told this to their friends and family. 

XXXX XXXX was insulting my mom telling her how poor we are. How does she even know who we are to begin with? My private information was compromised buy XXXX and XXXX XXXX. My life has been in emotional turmoil and XXXX XXXX is responsible. 

My life has been a nightmare ever since. I have no peace I lost enjoyment of my life. Because of these false accusations. And the hate slur she called me. 

When she told my mom why don't you take your XXXX XXXX XXXX back in your home. She said it where the whole neighborhood could hear it. 

There friends heard it and they were standing outside on their front porch. But my mom got the blame for everything. I lost my checking account and so did she.

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 2018-12-28
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a 2 fold issue with US Bank I have had a bank account there for many years.

Problem # 1 : they canceled my cash card and access to my accounts for no valid reason Around XX/XX/XXXX US bank, let one of their members ( im told, not even someone who should have been authorized to do it ) accessed my banking card, and randomly canceled my main bank card ( cash card ) I found this out while I was out for lunch at work and my card was declined.

I received no warning of it, no alerts, etc.

I called, and was told, they didn't know why it had happened but that they would look into it ... no manager was available, and I never received a call back.

I contacted a manager via email, who had previously helped me on another issue XXXX XXXX and asked for his help. 

He told me that, he cant see any reason why it would have been canceled like it was, but that he was not able to reactivate it and would send a new card, with new number, which creates more problems, as I have several things ( auto billed each month ) I went into the branch location in XXXX a day or 2 later and spoke with a banker there, who told me my card had been " hot carded '' but she didnt know why, and that she couldn't get my old card number corrected. 
I called XXXX back, Then during our conversation, he says that he can save me quite a bit on my current auto loan, I gave him some information as to what I owed on it, etc, and he said he would check it out and get back to me, and let me know if he would be able to save me some money ... Note '' I never gave him permission to run my credit '' I wanted to know what he could save my on monthly payments. 

I followed up with him a couple times, and he never returned my calls, a couple of days later, I see a hard inquiry come across my credit report from US bank, I made several more calls, several more voicemails to him asking him about my credit being pulled, and ive not heard anything ... still to date, I have not received a response, leading to my second Issue : # 2 Credit pulled without permission, no response to what took place, hard inquiry placed on my credit bureau. 
His contact information below : Officer | Branch Manager II p. XXXX | a. XXXX | XXXX usbank.com

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 2023-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
THIS IS A NOTICE OF DISPUTE. I AM DISPUTING THE COMPLETENESS AND ACCURACY OF THE INFORMATION THAT HAS BEEN FURNISHED TO MY CONSUMER REPORT. CAPITAL ONE XXXX. THE SEQUENCE OF LATE PAYMENTS THAT WAS FURNISHED IS INACCURATE. THIS IS A CLEAR VIOLATION OF THE FCRA AND THIS VIOLATION IS PREVENTING FOR FROM EXTENDING MY CREDIT FOR MY PERSONAL, FAMILY AND HOUSEHOLD PURPOSES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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:
Credit Acceptance has violated multiple USC 's : 15 USC 6802-6805 : Obligations with respect to disclosures of personal information. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me emotional damages and defamation of character.

CFR 313.4 Initial privacy notice to consumers required CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

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 2019-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 checked my credit score status in XX/XX/XXXX and it shows a closed credit card account from bank of America. I have never opened a credit card, checking or savings account with them so I called their 1800 number and they couldn't find me in the system with my SSN # but they found me with my name last name and date of birth with a different social security number I dont recognize because it doesn't belong to me. The ssn # I provided when my information was being verified didnt match with the one they have in their system. I dont understand how is going to affect my credit if they dont even have my SSN # in their system, Why they didnt report it using the ssn # that person used in XXXX?. I wasnt even living in XXXX back in XXXX I came from XXXX XXXX in XXXX. 
This only was reported to XXXX, It was never reported to XXXX or XXXX. I have been submitting several fraud disputes with XXXX since XX/XX/XXXX and every time the dispute gets completed they state that bank of America is saying that the item belongs to me. How the Item is going to belong to me if BOA doesnt even have my SSN # and every time I call BOA they state that it shouldnt have been affected my credit score because my social security number was never used to open an account with them. My SSN # is not being used to open accounts with credit card companies or banks, only my name and date of birth was used to open the account with BOA.. 
I dont think XXXX is trying to help me. Every time I talk to agent from XXXX they sound like they dont know what they are doing and also they can never answer my questions. 
This is affecting my credit and I need to get this resolved.

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 2023-04-11
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Webster Bank continues to use the Available Balance for determining any Overdraft fee. This continues to make hardships as whenever I try to track down why something created an overdraft fee, I need to call the customer service line or wait for the branch to research why a fee was assessed as it never shows in my statement. This occurred again on XXXX and when I reached out to my back, I spoke with a XXXX XXXX, the contact center XXXX ( employee number XXXX ). When I explained to him my frustration, his response was to refuse to refund me the fee and to escalate because, to him, the transaction was not a bank error and I need better account management. I will be once again contacting my bank, however, as this has been a continuous issue, I also wanted to file this complaint as due to this issue, I expect that I might be receiving overdraft fees again even though I have attempted to cover the difference in my available balance. I also know that part of the hesitation in returning the overdraft fee is that it comes out of the branch 's budget. However I should not have to pay for this. I've attached my statement in regard to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
For more than 18 years, the mortgage payment was done directly from my bank for the amount of $ XXXX. It looks PHH took out {$1000.00} from one of the auto payment and applied it to buy insurance, when I investigated why there was a need to buy insurance because I do have insurance from XXXX? and no one was able to answer, I called XXXX and I got a confirmation that for all insurances ( Car, mortgage, property ) are paid on time. 
PHH did not use the best accounting practice, the payment must be applied to the monthly mortgage as it was sent from my bank, but by taking out {$1000.00} from the monthly payment, it made {$3000.00} sitting in suspended state and made the reminder amount {$3000.00} insufficient to be applied to monthly payment thus making the account late pulse incurring penalty.

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am distressed that CREDIT BUREAUS has included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure the maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated and deleted : 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 2023-11-03
Company: EQUIFAX, INC.
State: TN
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:
Equifax Data Breach Settlement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As i have been a victim of the Equifax Data Breach and identity theft please refer to CFPB Complaints submitted XXXX XXXX XXXX XXXX  I have attached complaints, Claims sent, and proof of package sent to Equifax Data Breach Settlement, cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As I plan to seek litigation as this has gone on too long without resolution as this is my final attempt as a declaration

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: DE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have attempted to dispute a certain account on my report a multitude of times with Experian. The first time, they decided that the information was accurate without providing me with any evidence even though I asked afterwards ( against the law ). After that, upon trying to start a dispute, their automated system ( garbage ) tells me that I can not submit another dispute for the item without providing any new information. Ok, so I did supply some extra information/evidence. Guess what? They still refuse to investigate. This is now my second complaint about Experian to the CFPB because they do not care about their customers. 

The attached file shows the dates of all XXXX disputes that they would ALLOW me to file. I have attempted numerous other times to dispute the account in question. By law, they must provide proof that the account belongs to me, which I still have not seen after all these years of asking politely.

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 2023-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
On XXXX XXXX MERRILL LYNCH Investments by their own admission, approved and allowed a fraudster allegedly by using my personal Identity information to open an account Merrill Lynch opened the account without my authorized permission as I never applied for any accounts at Merrill Lynch. 
I was never contacted by Merrill Lynch to confirm and by not properly vetting the application prior to approving the account. 
Merrill Lynch was incompetent and careless by allowing fraudsters to access my personal finances by approving this fraudulent account without my authorization and permission

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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