BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX continued. 

Per WFs request by mail to go through a mediation process on XX/XX/2023, may we please proceed. Please assure that WF does not apply trickery and delay tactics as they practice on a ongoing process. All the issues are real and they need to be held to account. WF has belayed and continues to say that they have reviewed the issues yet has done nothing.

WF never looked into the fraudulent activities of XXXX XXXX XXXX. The Builder XXXX  XXXX has passed, was sued by all the clients and filed for bankruptcy and eventually filled for title... 

I provided XXXX XXXX 's phone number and all other contact information, The bank is liable for his actions and all the other questionable banking activities. 
I asked not to close the loan, no other bank would provide banking services to XXXX XXXX and through out the loan WF behaved in an unprofessional matter befitting a bank.

WF tricked me into going to mediation and only agreed to discuss the checking account and then turned around and stated that the mediation pertained to all the issues with WF which is untrue. They should be out of the banking business and the mediation lawyer assured me that I can pursue the issues but refused to provide a written statement.

Please investigate WF for fraud and lying to customers and gaining financially. They were required by CFPBB to make good on their wrong doing yet they have yet to provide adequate compensation. 

The WF game continues. 
XXXX XXXX is a pathological liar and is following the WF line and should be in a different position or business. 
Please provide a more truth telling POC

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 2023-01-26
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was told that XXXX XXXX would be representing me, and that if I paid my fees, that my debt would be eliminated completely. They changed my credit card the day I spoke with them for the first time. They told me I signed a contract that I never received a copy of it, and didnt sign anything. They told me to stop paying on my debt, and that I dont need to worry about a thing. Next thing I know I have XXXX lawsuits. I paid them over {$7000.00} and was told that I would never pay anything more than the fees. My lawsuits include their fees. I would never have paid {$7000.00} for someone to consult me for {$20000.00} worth of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
There are 16 hard inquiries from the months of XXXX thru XXXX that were a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2x ) XXXX XXXX ( 2x ) XXXX XXXX ( 2x ) XXXX XXXX XXXX XXXX/XXXX XXXX XXXX ( 2x ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  US SM BUS ADMIN ODA Those companies listed above have placed the hard inquiries on my report as well as Bank of America and XXXX XXXX reporting accounts that do not belong to me XXXX I want them removed immediately

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 2021-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a credit card in XX/XX/XXXX. The card was active and in good standing until XX/XX/XXXX. I tried to use the card on XX/XX/XXXX, and was told by the place of business that the card was deactivated. I contacted the credit card company the next day and was told the card was deactivated without reason. All information of this card was immediately deleted from my credit reports which caused my credit score to decline. I sent a letter to the company requesting a reason for the closure/deactivation and have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
From XXXX XXXX XX/XX/XXXX i sent XXXX via Wells Fargo payments to a person who claimed to be looking for a roommate. I sent money to them under the impression i would be living there aswell. As soon as they recieved the full amount of money they didn't not give me a key to the place and refused me entering the property. There were multiple people involved in this scam. They also refused to give any of the funds back. I sent a total of XXXX to this person. Another company who has also been made aware of the issue is XXXX XXXX XXXX XXXX since they added my name to a rental agreement as an occupant even though i didn't not live there nor signed any official documents. They just accepted the payment. 


XXXX XXXX XXXX XXXX only agreed to removing my name.from the rental agreement Wells Fargo has offered to investigate these transactions and filed a claim

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: IL
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 XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Please look at XXXX CASE # XXXX REGARDING THIS CONCERN I have disputed this account ending in XXXX XXXX XXXX XXXX Missouri XXXX XXXX XXXX XXXX I have sent in a police report, fraud complaint/identity report copy of my ID and recently sent a letter from the creditor stating that this account is result of fraud. I have attached the letter from First access to this complaint and this account need to remove asap. If not me and my consumer law will pursue legal action.

Company response to consumer: In progress
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit Reporting act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

The following accounts have violated my rights. 

Account : XXXX XXXX XXXX XXXX Account number : XXXX  Date opened:XX/XX/XXXXAccount balance : {$230.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX Account Number : XXXX  Date XXXX Account balance : {$870.00} Address : XXXX XXXX XXXX XXXX, Washington XXXX Phone number XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than the 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 an accurate.

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 2021-10-05
Company: Santander Consumer USA 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:
I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've live in XXXXXXXX XXXX  for over 20 years, I never seen, visited, or moved to XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. This address has been reporting on my credit reports for over XXXX years ruin my XXXX XXXX, with XXXX separate companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX essentials XXXX ) XXXX XXXX XXXX XXXX XXXX phone ) service. I sent letters, called the company, and contacted Trans Union about this,. In connection with the XXXX XXXXXXXX data breach which I am involved in currently,. Please remove these specific errors from my file and time line data breach associated with errors. All XXXX of my address is in XXXX state, why would it make sense to have a second address at the same time I live & work in another state, I information was stolen, I keep asking the for the same thing year after year. Remove all negatives during the 3 year data breach.

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 2023-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I bank with XXXX XXXX XXXX XXXX ( XXXX ). 
I had written a check ( check # XXXX ) for {$6000.00} dated XX/XX/2023 to a counterparty who banks with Bank of America ( BoA ). 
This check was deposited by the counterparty on XX/XX/2023 at the BoA branch located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
BoA presented this check twice ( first on XX/XX/XXXX by referencing an erroneous check number XXXX and then again on XX/XX/XXXX referencing the correct check number XXXX ). 
XXXX reversed the duplicate payment on XX/XX/2023 and claims that the counterparty should have received XXXX of the check deposits since XXXX reversed the duplicate. 
However, the counterparty 's account has not been credited for this check and BoA claims that they have no evidence of receiving duplicate funds for this check in order to credit the counterparty 's account inspite of BoA providing a copy of the returned check to the counterparty with reason for return marked as " DUPLICATE ''. 
Both banks are pointing fingers at each other for this error an taking no accountability. 
Both myself and the counterparty have made multiple in person trips to BoA 's XXXX branch to resolve the matter and have had multiple phone calls with XXXX but we get the run around with no resolution insight. 
Essentially, {$6000.00} ( related to check XXXX ) has been taken out of my checking account for which the counterparty has not been credited. 

Attachments : ( 1 ) Email from XXXX stating this is a BoA issue. 
( 2 ) XXXX and XXXX reports provided by XXXX showing duplicate payments and XXXX return. 
( XXXX ) Counterparty bank statement provided by BoA showing no credit of {$6000.00} for check XXXX against counterparty 's account- refer to line items in parenthesis. Please note that the statement also shows {$6000.00} dated XX/XX/2023 which is on hold. However, that deposit is for a different check for the same amount and is unrelated to this issue. 
Letter received by counterparty from BoA indicating return check XXXX for return reason " 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 2021-10-05
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-05-05
Company: Experian Information Solutions 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a XXXX  for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} IXXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXX/XX/2022 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the credit reporting act : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX as violated my rights. 
15 U. S. C 1681 section 602 A. State that I have to write to privacy.

15 U. S. C. 1681 section 604A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off the mortgage in full on XX/XX/XXXX. The payoff amount was originally listed as {$30000.00}, which I paid. However, based on the contents of the attached letter, there was a refund due of {$13.00}, which was supposedly issued on XX/XX/XXXX. I never received that refund if it was indeed due to me as stated in the attached correspondence. My latest call to SPS on XX/XX/XXXX, I was told that it was in dispute and to call back in a month or so. First, I never issued a dispute ; this is a fact, not a question or dispute. I am seeking your help to resolve this issue. 

The following are screen shots of correspondence from SPS, and nowhere in that list is there a letter acknowledging that SPS sent me a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: AMERICAN EXPRESS COMPANY
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Got a letter from American Express stating they needed some financial and income documents. Called and spoke with representative on XX/XX/XXXX. Confirmed that my paystubs and bank account info would be enough. They need two she said. I explained I get paid every two weeks. I sent in my next two paystubs. They received the later paystub on XX/XX/XXXX, although I sent it in late XXXX. They cancelled my account on XX/XX/XXXX after entering my information into their computer system on XX/XX/XXXX. I was told today that this was after the deadline, which I was unaware about. This was also not mentioned on the phone call I had on XX/XX/XXXX, although the representative knew I would be sending the second stub no earlier than mid XXXX. Why would they take my information and still cancel?

Company response to consumer: Closed with explanation