BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-10
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: Account information incorrect

Complaint:
Have had wild fluctuations on my credit score for no apparent reason. My balances are low, I have a long credit history and no delinquencies. Nonetheless my Trans Union credit score dropped 57 points this month. This continually happens to me. My credit score went from XXXX  to XXXX  with no apparent reason. XXXX  reduced my credit score from reduced my score 53 points to XXXX. All my credit factors remain positive. 99 % PAYMENT HISTORY, 19 % CARD UTILIZATION, 0 DEROGATORY MARKS. Just not fair that these credit agencies are playing ping pong with my credit score.

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 2022-11-23
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these erroneous items to be authenticated ( A ). I will take legal action against you if you do not fix these items. Please follow the law so that this situation can be settled quickly. 

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 2023-02-08
Company: EAST WEST BANK
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX at XXXX XXXX a wire transfer was made at the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX FL XXXX to East West Bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX California XXXX. Due to incorrect instructions and information the transfer was cancelled in the amount of XXXX. XXXX XXXX and myself have asked for a return back to my checking account. East West Bank Said the matter is closed with no further action to be taken. No Funds or moneys have been returned after countless times asking for the refund. 
XXXX XXXX has sent emails to the East West Bank asking for the return of the Funds. 
Reference # XXXX Federal tracking Number XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions 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:
A company by the name of XXXX XXXX has allowed someone to use my personal information to open a auto loan close to the amount of {$49000.00}. I didnt give anyone permission to use my personal information. This is fraudulent. I was never contacted by XXXX XXXX before opening a loan in my name and I have a credit alert on my credit reports to be contacted before opening anything in my name.

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 2020-12-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Around XX/XX/2020 I wrote and debt dispute and Cease and Desist Letter To Rushmore Loan Management Services. After receiving this request Rushmore Loan Management Services still called me XXXX time after the request. Rushmore Loan Management Services called on XXXX, XXXX, and XXXX. Rushmore Acknowledged they received the cease and desist request in a letter dated XXXX. 
The phone calls caused me a lot of stress and I am still hurt by the company 's actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
When my Simple bank account transitioned to BBVA I lost access to my account. This was after being assured for months that we shouldnt run into any issues. I have tried calling BBVA three times now. The first time I was asked a verification question that there was no way I could answer- they asked when did a company last direct deposit into your account I have no idea. I have been freelancing for 5+ years and have payments deposited into my account in a variety of ways. The last time I worked for a company that had direct deposit was in XXXX so I provided that info only to be told that I had FAILED the verification process, then was hung up on. Another call and hour on hold and I get through to someone else, am able to get through the verification process XXXX suddenly they are happy to ask me other questions? ) but Im hung up on in the middle of it. Then again this morning I try calling, am on hold for almost an hour, and am hung up on before even reaching someone. This is absolutely insane. Over the past week I have already missed two major bill payments and have spent hours of time that I should be working dealing with this issue that just can not seem to be resolved. I would have no idea if my account was compromised to right now, if someone is making charges to it, nothing. This is extremely unsettling and seems illegal. I suddenly have zero access to my money after years of banking with Simple and not having a single issue. I am now hearing that I should just go to a branch to resolve the issue. I guess they forgot were still in a pandemic- and while I understand most people are now out and about, Im *actually* XXXX  right now and am waiting for XXXX test results. So Im gathering that my only option to access MY bank account, is to potentially with XXXX ( or at least some type of XXXX  that could be XXXX XXXX XXXX drive down to a bank?! I havent been inside a bank since I got Simple in 2016. Didnt ask for any of this, and cant believe how irresponsible BBVA has been with our money and our time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
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: Personal information incorrect

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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: WA
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:
I sent a dispute letter to Experian on XX/XX/2021. I got confirmation that Experian received my compliant on XX/XX/XXXX. 2021. I still have yet to receive the results of my dispute or if any investigation ever happened.

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 2023-08-01
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My XXXX Statement contains a charge for {$100.00} on XX/XX/23. The vendor name shows XXXX. I asked Goldman Sachs ( GS ) to update my statement with the vendor name. They are unable to determine the vendor name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Called TIAAXXXX XXXX to make a payment to satisfy delinquency. The XXXX rep ( s ) informed me that I needed to speak with the attorney since my mortgage is now on foreclosure status. I was given the number XXXX, XXXX XXXX XXXX. was the attorney. I left numerous voicemails and not able to get a hold of anyone. I have been calling and leaving voicemails since XXXX this morning and have not heard back from anyone. Finally at around XXXX I am able to get a hold of someone by the name of XXXX XXXX . Instead of taking my payment for the settlement of {$7700.00} which is whats printed on my bank statement he informs me he has to reach out to the bank and it can take a week to get the settlement payment amount. I am ready to pay now and feel like this is a tactic to get more money out of me or to make it more difficult to get out of the situation I am Im. I have not been served a summons or any documentation from TIAA, XXXX, or XXXX and XXXX XXXX, in regards to the status of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: CA
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. 
Dept of Ed/ XXXX  : # XXXX, US Department Of EdXXXX XXXX US Department Of Edu : # XXXX , has violated my rights. 
15 U.S.C 1681 section 602A, 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 items of information, other than records of convictions of crime which antedates the report by more than 7years.

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 explanation
Consumer complaint received 2019-07-17
Company: First Technology Federal Credit Union
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The total was for {$56.00}. I never received product I paid for, and have yet to receive the product. I will never receive it as I was scammed. I informed my bank (XX/XX/2019 ) of this and was issued provisional funds nearly two weeks after my initial inquiry -- this is the default wait time given for an automatic fund release, meaning it was probably not looked at by anyone, or if it was it took them two weeks to take action. Nearly a month later ( XX/XX/2019 ) I was informed that my bank was " unable to process this claim '' and the money was removed from my account putting me at risk for being over drawn. The given reply implies they didn't accept or refuse the dispute, but that it was simply not processed. I was informed they needed more information, so I called and gave the representative the requested info. I was told no further action was required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
While banking with Wells Fargo, I was on several occasions charged overdraft fees on my checking account. This is while I payed for overdraft protection. I ended up essentially being banned from Wells Fargo for refusing to pay what were exorbitant fees that often stacked up. 

Then there was the issue of Wells Fargo giving what were ultimately temporary refunds for items that I reported difficulties getting my refund for whatever reason. Often XXXX a pain and its easier to make a claim with your bank. XXXX XXXX marketing on the refund policy is misleading at best. Ultimately what triggered too many of my overdraft rabbit holes, were temporary refunds being retracted, which would overdraft, and start the madness. I rarely was ever able to get maybe one fee removed but the rest would be mine to pay, they make it seem like youll be protected, and the give you the refund just to take it back, usually after youve spent it,

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 2022-10-16
Company: EQUIFAX, INC.
State: PA
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:
As a federally protected consumer I am aware of my rights and i am constantly violated by XXXX, Equifax and XXXX. Ive called multiple times to remove these accounts from my credit repost if they can not verify these accounts they have violated 15 USC 1681i ( 5 ) ( A ) ( i ) if 30 days past and information isn't verified it must be removed. 
-Sent dispute letters XX/XX/XXXX and still have errors on my report. 

15 USC 1666b late payments from open ended credit plans cant be reported. 
-Dispute was to remove the late payment which wasn't late but still have not fixed it. 

15 USC 1681 ( B ) must have written permission to furnish on my behalf. 
-Reported multiple items without written request from me 15 USC 1692k ( a ) ( 1 ) allows for any action of damages.

-Have n't been able to purchase a house due to error on my consumer report.

15 USC 1681 ( a ) ( 4 ) right to privacy.

-Did not give consent to repost items to consumer report.

15 USC 1681 ( b ) must follow reasonable procedure s. 
-Sent out unfreeze letter to XXXX multiple times and still wont unfreeze my account. 

15 USC 1681a ( 2 ) ( B ) if transaction authorized by social it can not be reported.

-Items was reported that i used my social to obtain.

15 U.S.C 1681n ( a ) ( 1 ) ( A ) failure to comply will result in XXXX for each violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Freedom Mortgage Company
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, my house had a burst water pipe which caused a flood within the home. Due to this mishap, I was required to pay out-of-pocket to cover damaged expenses and repair expenses. This led to a difficulty to cover the upcoming XXXX mortgage payment. That same day, I called Freedom Mortgage XXXX FM XXXX and spoke to a representative from their Mitigation department. I described the scenario and ask if it was possible to have a deferral of XXXX 's payment. The woman authorized the deferral and told me that I would not be debited the XXXX mortgage payment. In XXXX, I received a notification from XXXX  stating that they had tried to debit my account twice but I had insufficient funds. I again called XXXX and spoke with another representative and explained the deferral, they then recommended that I begin a repayment plan for the missed XXXX payment. I started the repayment plan on XX/XX/XXXX and paid each month until the amount owed was payed off in XX/XX/XXXX. On XX/XX/XXXX, I received a credit report stating that I had multiple missed mortgage payments thus making me ineligible to receive another VA loan. I contacted XXXX  immediately and disputed the missed payments. They initiated an investigation into the matter but concluded that since I was entered into a repayment plan, not a deferment plan, the payments made were marked as late thus causing the missed payments on my credit report. I have brought the matter to their Escalation Department and made an official complaint, but they refuse to acknowledge the miscommunication and correct the matter. I am currently in the process of selling my house and retiring from XXXX XXXX military, I am now unable to buy a new home at my next location due to the negligence caused by XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo charged monthly fees when the appropriate debit uses per month were made to waive the fee.

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 2021-05-13
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX someone stole and used my debit card to deposit fraudulent checks into my account and withdraw XXXX from the atm over the 2 days. I notified the bank as soon as I received a text from bank my account had been overdrawn which was the very next day. The bank then froze debit card and put fraud block on account. They told me they would investigate and I dont need to do anything else and issued me a new debit card. I ended up calling the bank over 10 times and going into a branch over 5x to resolve this matter. My home branch opened a new account for me as I was a long-standing customer with excellent history and told me that I could use new account while their back office investigated the fraud. The branch forwarded my police report over to XXXX back office twice and opened two new disputes. I get letters In the mail saying its consistent with regular activity despite me immediately notifying them it was fraud and I have never once used my card at the atm they told me the funds were stolen from. The bank has also taken all money that I deposited into the new account that was to be used for my bills although the branch told me the new account was safe. The bank has been doing collection calls as if this is a debt for me but this is fraud that was reported IMMEDIATELY after it began. The fraudulent checks also bounced so much account is negative and I am not liable for this. I have agreed with the bank to help them with criminal prosecution and gave them everything they requested. Please help me! They should not be taking my money and it needs to be returned to me and I also would like my account ( old or new ) back in good standing.

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