BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-15
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2019 I opened a business checking account online with iberiabank in respond to their promotion offer XXXX. The term states, earn a {$200.00} business checking cash bonus when opening a new business checking and make 15 client-initiated debit transactions ( use your debit card, write a check, or use Online Banking with XXXX XXXX  ) within the first 90 calendar days of account opening. I have satisfied the term requirements within the 90days, but never received the {$200.00} bonus. I contacted their customer service mutiple times in XXXX to inquire about the status and they kept delaying giving me the answer until 2 weeks later. They denied my bonus saying i did not make enough debit transactions, which was totally false. I had more than 15 debit transactions. When i pressed on they then claimed that some of my debit transactions were through XXXX app and XXXX app transactions didn't qualify. But the problem is that this info was not disclosed in their promotion term ( please see attached their term sheet ). If they didn't disclose or specify, how in the world could i know what debit transactions were excluded? I have followed and met their term exactly, but they did not!

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 am submitting this Complaint cia the help of the CFPB to request your assistance in correcting erroneous information on my credit file. There are accounts that belong to me but are reporting inaccurate status, which is misleading and adversely affecting my creditworthiness. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file. 
XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$910.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$710.00}. I am requesting that you investigate the matter and take the necessary steps to correct the erroneous accounts on my credit report. I am including a copy of the dispute letter I recently sent with this complaint for your reference.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT.

Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX

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 2019-08-07
Company: EQUIFAX, INC.
State: TX
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 called all 3 credit bureaus and was told to send in all my documents to sow that i had fraud committed against me.So i sent everything in and i still see the accounts on my credit I then call the documents in a 2nd time to make sure they have receive them I was told them and was going to have accounts remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo was notified on XX/XX/2022 that the account ending in XXXX was not opened by me. It appears Wells Fargo continues to open accounts using customers identities without authorization. This account was opened as a Result of Identity Theft. I did not sign any account opening documents, Nor did I receive any account opening packets. I did not receive a debit card. Wells Fargo had 1 direct deposit from a XXXX XXXX ( XXXX XXXX ) That is not my employer either. My Employer is XXXX XXXX XXXX. Additionally, I got a very harassing call from Wells Fargo, of course I did not answer because I am working and I do not have time to respond nor answer Wells Fargo 's harassing calls and or emails. I am a victim of identity theft, I did not provide Wells Fargo with my Drivers License, Nor Social Security Card, Nor Passport. Wells Fargo did not verify my identity prior to opening said account, The account is not authorized, was not authorized. Yet I believe someone internal in Wells Fargo Opened the account, It must be someone from the CLAIMS Department that called to Harass me. None the less, I do not accept Responsibility for an account I never authorized. I have come to learn my email address was also hacked, and I was able to recover that with XXXX. I explained the identity theft situation. I called the CFPB and advised my account may have been hacked here as well. They were able to change my password and make sure the account was and is secure at this time. So previously complaints would not have been submitted from me. That has been rectified. Wells Fargo still allowed the fraudulent account to be open. I did not receive a debit card for this account, so I am not sure where that went or who opened it or received that. It did not come to my address. Wells Fargo continues to cause Identity Damage. This is not acceptable for people who are victims of identity theft. I want this account closed, and the username associated with this account or account 's closed as well.

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 2022-03-11
Company: EQUIFAX, INC.
State: PA
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, my XXXX XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Eagle Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have had many problems with this company claiming I applied for a loan with them and claiming is igned paperwork for a loan and claiming I signed and cashed a check issued by them. They also took extreme measures and hired a lawyer to seize my garnish my paychecks even tho i submitted overwhelming evidence that I never and I repeat I never signed a check with my name and or cashed it out at XXXX XXXXXXXX XXXX. I state this bank because the lawyer states my check was supposedly cashed there. And it certainly was not cashed or signed by me. It is illegal to garnish wages on a loan that has fraud on it and if it continues I'll go more than just this route and counter sue you for defamation of character as well as unlawful wage garnishment and unlawful business pratices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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 2023-10-04
Company: DISCOVER BANK
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX  I contacted Discover to inquire about my alleged scheduled payment of {$140.00} which should have been processed by my Financial Institution ( I didn't see any pending payments when reviewing my bank account which prompted the call to Discover ) The representative that I spoke with at Discover apprised me that I did not have an automatic payment set up nor did they see any pending payments, hence, I made an online payment for {$140.00} to avoid a late fee. Fast forward to XX/XX/XXXX  ; I went online and made a payment of {$140.00} to satisfy my XXXX payment. On XX/XX/XXXX  while reviewing my bank account to make certain the payment was processed I noticed there were 2 payments for {$140.00} so I contacted Discover and was informed that one payment was an automatic withdrawal which I did not authorize and the other I made online ( that also happened in XXXX but I did not catch it until the issue in XXXX ) I requested that one payment be refunded since it caused a financial hardship to me and I was told it would be processed. After checking back numerous times and being told it's processing I finally asked to speak with a supervisor to expedite the matter. On XX/XX/XXXX  a supervisor named XXXX ( no last name given ) advised me that I would not get the refund because my billing cycle started on the XXXX of XXXX and my next payment is due XX/XX/. Well this is XXXX XXXX and my initial request was before the new cycle started. I reached out to Discover to try and rectify the issue, however, the company 's representatives have been unfair, deceptive and abusive in their dealings. I would like to amicably resolve this issue and move forward. Thank you for the platform to convey my grievance. Caveat - be leary

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX Social security : XXXX D.o.b XX/XX/XXXX Address : XXXX XXXX XXXX XXXX A XXXX XXXX NY XXXX This document is for fraudulent accounts opened in my name, the account Im Disputing is XXXX XXXX OPENED XX/XX/XXXX with a balance of XXXX, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX   data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or 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 explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: MS
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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 emailed and wrote several letters to XXXX XXXX XXXX XXXX XXXX regarding a late that they are reporting to the credit reporting agency. 
I ask that to proved or remove this late, pursuant to the FCRA. 
They refused to prove such late see attached response from XXXX XXXX Services

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 2021-03-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX of XXXX I applied for forbearance due to covid 19. I was under the understanding my payments would be put on back end of my mortgage ( my original mortgage ) and no interest would be accrued during forbearance period. I was on forbearance 6 months. When I started my payments again, I gave Wells Fargo {$5700.00} to apply to my escrow because I understand my taxes and insurance still need to be paid. My brother gave me these funds. So now its XXXX of XXXX and Wells Fargo has put a lien on my home, stating i owe them {$12000.00}. I believe they are charging me interest for those 6 months of forbearance, which is against the law. I was scheduled to close on sale of this home today and now I cant till all of this is cleared up. I have already moved out of my home because the title company just found this one day before closing. I am homeless now till this is resolved! WELLS FARGO IS DOING WRONG!!! And now it is costing me!! Please, please help me resolve this.

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 2023-10-03
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed items inaccurate on my credit report. This is not my debt. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 reached out to transunion to get hard inquiries removed they referred me to ftc. The ftc referred me to cfpb

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 2023-04-20
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am writing to file a complaint against XXXX XXXX XXXX for their fraudulent attempt to collect a debt that is not mine. I have reason to believe that this debt is the result of identity theft. I have requested that the creditor prove that this debt is mine, but they have been unable to do so. Despite this, they have threatened to garnish my wages. 

I have taken all the necessary steps to protect my identity, including notifying the credit bureaus and filing a police report. However, I have received a notice from XXXX XXXX XXXX claiming that I owe them a debt. I have repeatedly asked them to provide proof of the debt, but they have not been able to do so. 

Furthermore, they have threatened to garnish my wages if I do not pay the debt. This is causing me a great deal of stress and anxiety. I am unable to pay this debt as it is not mine and I do not want to have my wages garnished. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX XXXX XXXX. I am also requesting that XXXX XXXX XXXX be required to provide proof of the debt and that they cease all collection activities until they can prove that the debt is mine. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation