BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Well when I had Wells Fargo back in XXXX  I had a lot of problems like, questionable fees that they couldnt give me answers about, somehow over time like XXXX dollars of my money just disappeared and the only thing that they could tell me that they was working on it, and I never got a response. So I end up closing my account cause they tell me that I had owed them money, when they took all the money from me.

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 2023-06-29
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:
I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : {$990.00XXXX XXXX XXXX XXXX Balance : {$720.00} XXXXXXXX XXXX XXXX Balance : {$2500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$640.00} XXXX  XXXX Balance : {$530.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXXXXXX 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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I lost my wallet and SSN and someone started opening accounts in my name and I would like these accounts removed the law states if victims of fraud or identity theft these items will have to be removed within the week. 

XXXX XXXX XXXX : opened XX/XX/XXXX Collection specialist : opened : XX/XX/XXXX XXXX  XXXX XXXX  : opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX : opened XX/XX/XXXX XXXX : opened XX/XX/XXXX I also want to remove late payments from department of ED accounts : opened XX/XX/XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act XXXX XXXXXXXX XXXX account # XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an 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 2023-01-18
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
JMPCB Card was opened without my knowledge in the amount of {$17000.00}. 
XXXX XXXX also opened a credit card without my knowledge in the amount of {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Remitly, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used Remitly.com for the first time to send some money to my relative in XXXX on XX/XX/2020. The funds have not been delivered to the beneficiary account as of XX/XX/2020 ( 13 days ). 

I have tried to reach out to the customer service of Remitly multiple times in the last 13 days, and haven't got my problem solved. They emailed me asking some extra information needed to process my case, and I replied right away. Again two days later, they asked me the same questions. And I replied that I had already submitted that information. 

I don't know how these big companies get away with their reckless behavior. I am very upset right now because my relative who needed money hasn't gotten it yet, and it's very upsetting for them too. 

I hope if CFPB could help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 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 2024-01-10
Company: Lexington Mortgage Corporation
State: GA
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:
XXXX XXXX was the loan XXXX that processor for the loan that I'm applying for sent my sister XXXX my credit report without my permission and XXXX sent my credit report to my sister XXXX. XXXX works for Lexington Home Loans in XXXX Ca.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, 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:
THIS IS NOT A DUPE. Equifax is sending wrong uncorrected information on my credit file to XXXX parties, my lenders. They are re-aging the " REAFFIRMATION '' from XXXX  years ago XXXX XXXX. 

They have failed under multiple complaints to correct my file. I have contacted XXXX XXXX XXXX XXXX about the XXXX  and the bank states to contact Equifax that they are not reporting the account in Collection or any other Derogatory information. 

I have filed several disputes and complaints to NO AVAIL Equifax continues to report erroneous uncorrected information to my lenders directly negatively affecting my Score, Accounts, Utilization and overall Credit Worthiness. Their investigations have not resulted in the correct action. Though, documentation has been sent, they have taken their time and totally failed to remove the NEGATIVE information from my credit file. They have shared the incorrect information which most recently have resulted in a closure of my XXXX XXXX XXXX ending in XXXX, and reduction of my credit with XXXX 's that I have had for years. 

This company is unethical and represents " bad business ''. Their business license should be rescinded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am a senior citizen and I have steered clear of opening credit account for the last 10 years So each of the outdated adverse accounts are a hindering from enjoying my golden years. 

XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX XXXX Past 7 XXXX XXXX Past 7

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 2020-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a bank of america checking account apparently someone called a teller on XX/XX/2020 asking to make a transfer to my Bank of America Credit card payment of {$1500.00}. I noticed the on XX/XX/2020 that my checking account was lesser of {$1500.00} Called the Bank of America right away on that day ( XX/XX/2020 ) I never gave authorization to any teller to get money from my checking account to be transfered to my credit card.. I have been transfered to the escalation Manager and told me that I have to file for a check account fraud which I did. I closed my checking account with their suggestion and open a new one. 
On XX/XX/2020 i noticed that there was a transfer from my Bank Of America credit card amount of {$900.00} to another account ( which I have no idea whose account it is ) Called again to customer Services and filed another claim this time a credit card fraud.. 
Bank of America has been giving me a run around saying that credit card fraud should be able to assist me when I call credit card fraud they say I have to call Checking account.. 
I have 2 claims from them and I never get a straight answer.. It either 6-10 business days and 10 business days is up, I gave them a another call for an update and they said that they will send me the money by mail but only the {$900.00} ( which I dont even know if i will receive it ) because I made a promise that I will pay the credit card ( which started the whole ordeal ) tried to explain it them that I never made a phone call I never promised to pay {$1500.00} to my credit card I never talked to a teller..someones using my name and my information. Im tired talking to 20 different people spending 3 hours on the phone with them and I have no way of knowing if I will get my money back {$1500.00}. It is my hard earn money and they just took it without my authorization..

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 2023-01-11
Company: EQUIFAX, INC.
State: NC
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:
I have called EQUIFAX at least 4 times over the last 3 months in writing and over the phone to remove a fraudulent account reporting from XXXX XXXX. As of XX/XX/2022, they have stated the account with {$8600.00} in charges has been " Verified '' but have failed to provide me with the original contract that I allegedly signed to create the debt, no sworn affidavits of verification, or similar oaths made in the presence of a notary public/authorized person. 
I am reaching out to EQUIFAX to either provide me with sworn verification or correct their records as it is hurting my person. With a fraudulent account reporting on my report, my credit score is impacted and for the first time in my adult life, I am unable to obtain credit to pay my rent, gas, and other bills. I had {$6.00} in XXXX of my checking accounts the other day. It was humbling, and all I want to do is get back on my feet. EQUIFAX 's negligence is hurting individuals like myself, when no XXXX individual can stand for the company and state the claims they send to me in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: CT
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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: CT
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:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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've gotten in touch with all 3 credit agencies to report all the collections and inquiries on my report to have them removed because there's no signature or validity to any of these there's XXXX XXXX  THAT'S REPORTING I HAVE 4 OPEN ACCOUNTS AND XXXX XXXX REPORTING I HAVE 2 WITH THEM IN WHICH NONE IS TRUE I NEED ALL ACCOUNTS AND IINQUIRES REMOVED

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 2023-04-15
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:
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, XXXX XXXX, XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$3100.00}, XXXX XXXX XXXX Balance : {$68.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-09-15
Company: A/R CONCEPTS, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I receive a call from a representative from ar concepts in relation to a medical bill from 2 years ago that I was unaware of as I only went to the practice once. I asked for validation of the debt to be sent to me in writing, I was refused. And told to contact the original debtor. The agent was extremely rude and pressuring. I asked to not be contacted by telephone for this matter and asked verbal to cease and desist all calls and to only contact me by mail. I disconnected the call. And was immediately called back by the same representative and told that he can continue to call me that he would be reporting to my credit threatening damage to my credit report, as well as threathening to file law suit against me. After calling the original debtor I was told they can not speak to me in the matter as at concepts now owns the debt but the debt is resulting from incorrect billing in the first place of which I did not receive notice of as they had the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Financial Management Solutions, LLC
State: MD
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX Name of Creditor collection agency : FMS Financial Solution XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX RE : Acct # XXXX To Whom It MAY Concern : On XX/XX/XXXX, I wrote to you requesting validation and an investigation into items that I believed were inaccurate. To date, I have not received any such validation. In my previous request directly to you, I listed my reasons for disputing the information and requested validation. 
Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
Please note that on XX/XX/XXXX the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. 
Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities. 
Instead, one or more debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. 
Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation