BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
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:
XXXX and TransUnion ( TU ) did not properly and thoroughly investigate my dispute with " XXXX XXXX XXXX '', in which stated I have no knowledge of the alleged collections account. 
Contrary to the requirements of the FDCPA, XXXX and TU quickly replied " account was certified '', which is baloney. 
Violations are : 15 USC 1692 f ( 1 ) : No original contract ( and/or contract from/with alleged assignee and/or assignor ) is provided.

15 USC 1692 e ( 2 ) ( A ) : Because no contract ( s ) were provided, XXXX and TU are allowing a false representation of the character, amount, or legal status of the alleged debt.

15 USC 1692 e ( 5 ) : No evidence is provided by " XXXX XXXX XXXX '' supporting the alleged " XXXX XXXX of XXXX ''. Both XXXX and XXXX  are known unethical zombie debt collectors. Further, XXXX is a business lendor, and XXXX and TU are personal credit reporting bureaus. Further, no evidence is provided supporting the date ( s ) of the alleged debt.

15 USC 1692 e ( 10 ) : XXXX and TU are providing false representations by lack of documentation of any agreement between myself and " XXXX XXXX XXXX ''. XXXX and TU are also providing false representations by not providing documentation of assignment of the alleged debt from other entities.

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 2023-08-16
Company: EQUIFAX, INC.
State: SC
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 hard inquires on my credit report that I did not authorize. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. Some one tried to use my identity for a car loan. During that time i was able to freeze my accounts, but the inquiries are still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts 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 2016-07-01
Company: Barrett Financial Group, L.L.C.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
XXXX XXXX, 2016 To Whom It May Concern : I am writing in regard to Barrett Financial L.L.C. After dealing with this company, I feel it is very important that all pertinent agencies are notified about their shady business practices. Every other hard money lender in AZ said what he was doing was 100 % illegal for an owner occupied home. I am hoping my letter writing will get someone to look into this company and their ability to follow and understand the law, before they really hurt someone. With all the information they have on me I am terrified of what they are capable of doing to me. I am hoping to put a fraud alert on with all the credit agencies for everyone involved in the deal. 
I was very unhappy with this company! I worked with XXXX XXXX. This particular man did not show me respect. He told blatant lies. Another party and I were in the process of purchasing a home with XXXX. He took all our personal financial info ( including bank account info and social security numbers ) and sent us a pre-qualification letter. We found a home and put in an offer, following his guidelines. We thought all was good. We were wrong. The man disappeared. The buyers ( me ), the sellers, our agent, their agent, the title company and the inspection company were all on hold. We talked to the receptionist and she did not know what was going and would under no circumstances allow us to speak to another lender. Then all the phone message machines ( voice mails ) were full, XXXX 's and the front main line. This went on for days until we lost the house. I asked XXXX to simply pay us back for the wire transfer costs to the title company of {$35.00}. He refused and still refuses to this day. I am XXXX and he knew it from all the paperwork. He took advantage and lied to a XXXX person. His lack of communication with his clients was below sub-par at best. 
I honestly believe this man thinks he is above the law and better than other people. Pure sociopath in my humble opinion. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, CA XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, AZ XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-12
Company: FinCo Services Inc DBA Current
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 two unauthorized atm withdrawals were taken from my account while I had my debit card with me. One for {$180.00}, the second for {$20.00}. This was after several failed attempts, I woke up to 8+ notifications of atm withdrawal attempts all for decreasing amounts until the two successful withdrawals totaling {$200.00} occurred.. This is all while I had the location services set on the banking app to always allow which the app promises as an added security feature and I was nowhere near the atm that was used to steal from my account. I contacted the bank, they did nothing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Navient Solutions, LLC.
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Navient : Student Loan Account Opened without my knowledege Application was sent in before i was i was age XXXX 2 Dispersments were made on XX/XX/XXXX ( right after i turned XXXX ) and XX/XX/XXXX to a account not in my name. XX/XX/XXXX Interest of 50 % of the loan Amount was charged. I tried to get info but I wasn't allowed since i didnt open the loan and payments were being made by someone else. Didn't think anything of it. 4 years later when i was able get information and immedieatly paid off the loan which ended up being the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am a victim of identity theft my account was hacked all XXXX cards were closed by capital one for fraudulent activity in which someone had stolen my identity hacked my accounts again begin to use my cards and transfer money from my bank accounts, I disputed with capital one they knowing still are reporting me late after credit cards been shut down for fraud when I disbuted the charges they closed XXXX out with XXXX balance but left XXXX open with balance I dont owe! I didnt make those charges!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent a letter certified mail to company to inform them of their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently worked with Freedom Mortgage to assume my original mortgage, in order to remove my ex-spouse 's name. I was never told during the process that it would change anything in my online account. However, evidently my autopay was deleted in the process. Luckily, I noticed within the grace period that my scheduled mortgage payment hadn't been withdrawn from my bank account on XX/XX/23. I called Freedom and was told my autopay got deleted when the mortgage was assumed. I logged into my online account and added the autopay back. Then on XX/XX/23, I tried to log back in to again and was told my account access has been permanently blocked because I had assumed the mortgage. Evidently, Freedom prevents assumed borrowers from having access to the financial information of the original borrower. However, not only was I never told that assuming the mortgage would mean I'd lose online access, it makes no sense to block me from my own financial information. 

I NEVER would have gone through the assumption process if Freedom had told me it would mean I would lose online access, but at no point in the process was that mentioned, as it should have been. I did not need to remove my ex-spouse 's name from the mortgage ; it was purely a matter of convenience. I just now spoke with someone else at Freedom ( XX/XX/23 ) and evidently the blocking of accessed for assumed borrowers is a problem that IT needs to resolve, but there's no information about whether or when this issue will be resolved -- weeks? months? years? -- and in the meantime, I am unable to access my account. 

It would be helpful if CFPB could work to ensure that Freedom mortgage is prioritizing this issue so that whatever IT solution can be designed is implemented in a timely matter. No access to an online account means I have to take care of everything -- payments, changes to autopay, account monitory -- by phone or by postal mail, which is time consuming and burdensome. I can't be the only person this problem is having a negative impact on.

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 2023-06-22
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo did nothing about it even though I had nothing to do with any of it. When I realized that there were suspicious activities on my account I called Wells Fargo it was super early in the morning and I was told by the Wells Fargo rep that a new account would be opened and my account would be flagged and everything would be investigated. This was not my case at all as the days kept going by there were more and more suspicious activities on my account and the money that was for my XXXX kept vanishing before my eyes. As the days kept going on and more transactions were happening within my account I decided to get an update on where my case was. Come to find out the rep I had spoken with did NOT even set up a new account and once that was set up all the accounts were linked to checking and savings and the transactions kept taking more and more money from my hard work money which was all for my XXXX. Not only did I have to postpone my medical because of all of this. 

There were mobile deposits that I didn't make and to top things off those deposits bounced and I was charged for them all as well even after communicating with the Wells Fargo reps. 
XXXX, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21 There were XXXX : XXXX that were completed that I didn't make and I had called and communicated this to the Wells Fargo rep and I was told to trust them that they were taking care of it and that was not the case. 
Dates : XX/XX/21, XX/XX/21, XX/XX/21 There were also overdrafts on my account that happened due to all of the transactions that I didn't do. 
Dates : XX/XX/21, XX/XX/21 There were also transactions to XXXX and XXXX during this time. 
Dates : XX/XX/21, XX/XX/21 Though out the entire time I kept calling Wells Fargo to get an update and come to find out the account Wells Fargo wasn't doing anything about it they kept sending me from one department to the next and at the end of it all I was told that they would get ahold of me and time just kept going by and nothing was being resolved. Wells Fargo allowed all these suspicious transactions to take place and for me to go broke due to all the fees and all the transactions that kept taking my money. The reps I did deal with were not of any help at all.

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 2023-01-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a bankruptcy attorney and represent clients who are trying to modify a mortgage through the court 's loss mitigation program. The clients have produced and given all the needed documents to the lender/servicer, yet the lender/servicer declared the file " incomplete '' and denied the application. 

Now, the clients have to go re-start the process and go through the process again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
MY PERONAL INFORMATION WAS SOLD AND BOUGHT ILLEGALLY BECAUSE I WAS A VICTIM OF THE XXXX DATA BREACH. I WANT THESE ITEMS DELETED FROM MY CREDIT REPORTS EFFECTIVE IMMEDIATELY. I AM ATTACHING PROOF THAT XXXX HAS ADMITTED THAT I WAS IN FACT A VICTIM OF THIS DATA BREACH AND XXXX HAS DONE NOTHING TO FIX THIS. PLEASE HELP ME DELETE THESE ACCOUNTS. 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 2023-03-20
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:
Hello, my name is XXXX XXXX, I am a victim of identity theft. I submitted my initial dispute well over 30 days ago and still have fraudulent information on my credit report. I need this fraudulent information removed from my credit report within 4 business days. 

Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Fraudulent Inquiries : COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX INQUIRY DATE XXXX XX/XX/2022, COMPANY NAME : XXXX XXXX XXXX XXXX INQUIRY DATE XXXX XX/XX/2022, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX XXXX  INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX XXXX INQUIRTY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXXXXXX INQUIRY DATE : XX/XX/2022, Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I owed XXXX XXXXXXXX XXXX XXXX  a balance of {$680.00} from an old apartment. I paid this off months ago, and didnt know that it was impossible to get this deleted from my credit report. I am applying for an apartment that runs credit through Experian and even tho this account pops up as paid in full, they refuse to approve me until it is just gone and doesnt pop up. I have contacted the creditor and they claim that it is impossible to get this deleted. I have no other housing options as this is the only place I have to live with a roommate who is already here. I wanted to try everything I can do to get this account taken off my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/XXXX  I received my consumer report and seen many inaccuracies. Lets start with the spelling go my name and to update to my current address. See Attachment for proof I asked the credit reporting agencies to update my personal info.

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 2023-04-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: U.S. BANCORP
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
I went on my first vacation in 15 years XX/XX/XXXX, XXXX XXXX, 2023 to XXXX. On the XXXX day my wallet was stolen with cash, my drivers license, credit card and debit card as I had not been able to put it back in the hotel cause I got cash out from ATM. I called my credit card co about getting emergency cash and new card. I have included my letter to them as what I experienced during my conversations with them was absolutely awful and given wrong information consistently. I was basically stranded in another country with no money. I want them held accountable for their false advertising as I have also included. I actually just had someone call me from there and she told me the agents I spoke with have gone thru more training as they provided wrong info. They also said they have given me XXXX rewards points and offered me {$75.00} which is a slap in the face to what they put me through. And their website had inaccurate promises as well. I had to borrow from my already small savings account as I was planning on using my card for my trip and then pay back later. So this not only cause me considerable amount of mental stress and anxiety but now financially as well. Phone number to reach someone directly about this : XXXX ref # 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