BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection bureau of a 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 2023-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
ON XX/XX/2023 i XXXX XXXX XXXX received a letter from Bank of America stating {$9400.00} was withdrew from my Checking Account on XXXX XXXX and was applied to an outstanding Balance the was reported closed Charged off as bad debt profit and loss write-off on XXXX XXXX and Again on XXXX XXXX XXXX with a XXXX Balance on XXXX XXXX {$28000.00} was withdrew from my Savings Account for the same reason then on XX/XX/2023 i received a payment refund of {$28000.00} back to my Account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account and on top of that, XXXX was reporting an open date of XX/XX/XXXX for this account however Transunion was reporting that this account was not even placed for collection until XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.

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: EQUIFAX, 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:
I did not give written permission to furnish experiences and transactions with this consumer. 

XXXX XXXX XXXX XXXX  late payment transactions These are the laws that are being violated : FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I STILL have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2024-01-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo Bank related issue with our small XXXX XXXX XXXX. 

Date : XX/XX/XXXX - Checks Forged/Account Closed. Checking Account # XXXX in the name of XXXX XXXX, was compromised due to forged checks. Bank notified, transactions reversed and this account was closed on XX/XX/XXXX. All funds in the account were moved to savings account. 

Date XX/XX/XXXX - New Checking Account Established - New Checking Account established on XX/XX/XXXX with Wells Fargo # XXXX in our company name, XXXX XXXX Funds moved from savings to new checking account. 


XXXX XXXX management XXXX Wells Fargo Bank XXXX writes for 3 months to avoid further fraud. Auto payments continued, but all check writes stopped XXXX XXXX - No checks were written. Auto Payments continue. 

XXXX. XXXX - No checks were written. Auto Payments continue. 

XXXX XXXX - No checks were written. Auto Payments continue. 

XX/XX/XXXX - XX/XX/XXXX - First check written. - Check # XXXX, to transfer Funds from Wells Fargo XXXX XXXX XXXXXXXX XXXX and on XX/XX/XXXX - Fake Check with already Closed Account # XXXX and with False Signature presented by " XXXX XXXX from Colorado ''. - Check cashed by Wells Fargo when account no longer exists. Account already closed 3 months back.- Check Amount XXXX ( XXXX XXXX XXXX XXXX and XXXX/XXXX ) - Check date XX/XX/XXXX - Account # XXXX on check which was closed on XX/XX/XXXX - Check # XXXX Wells Fargo is refusing to reimburse this amount. We are unaware that a check using a closed invalid account and fake signature can be cashed. Our attempts to explain to Fraud Specialist and Bank Manger are of no use. - The Fraud Department does not wish to entertain request as it is more than 40 days after the statement closure hence we can not adjust

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 2018-08-02
Company: Synovus Bank
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Reordering dates of transactions to cause smaller debits to be insufficient. 
I have been a customer with XXXX XXXX XXXX XXXX for 9 years and am aware of the banks order of processing payments. I did not join in the class action lawsuit filed against Synovus for the processing of transactions from larger to smaller. On XX/XX/2018 I had an available balance of {$200.00}. The definition that Synovus gives of an available balance is the amount of money available to me at that time including all cleared transactions, deposit hold items, ATM transactions and check card transactions. On XX/XX/2018 I placed 2 debit transactions for {$30.00} and {$22.00} leaving an available balance of {$150.00}. On XXXX, I placed a debit transaction of {$30.00} leaving an available balance of {$120.00}. On XX/XX/2018, I had a preauthorized payment of out for {$330.00}. I understand this payment would overdraw my acount and I would be charged {$36.00} for that payment but the 3 debits on earlier dates were processed after the preautherized payment causing me to have 4 charges at {$36.00} each. Why would I have made 3 transactions less than the {$36.00} fee if I didnt have the available funds at the time they were placed. I could have easily went to a local branch atm and withdrew the available {$200.00} and paid cash for the 3 smaller transactions and only had the preauthorized to be insufficient in which that is how it should have been processed. I filed a complaint with the XXXX on XX/XX/2018. The company did not respond. The XXXX sent a second notice to Synovus on XX/XX/2018. As of today XX/XX/2018 the company still has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am disputing Bankruptcy XXXX on my Transunion credit report. On XX/XX/XXXX TransUnion has stated that they were able to verify that the Bankruptcy is being reported correctly via XXXX. I have multiple letters from XXXX dated XX/XX/XXXX and XX/XX/XXXX stating that XXXX could not verify Bankruptcy XXXX and that they are no longer reporting Bankruptcy XXXX. How can TransUnion verify the Bankruptcy using XXXX as their source when XXXX has no record of the Bankruptcy. I have attached documents from XX/XX/XXXX and XX/XX/XXXX that prove XXXX DID NOT verify Bankruptcy XXXX with TransUnion and has even attempted to contact TransUnion to have the Bankruptcy removed from my credit report. TransUnion states that you can get more information about how they verify public information records by going to the website www.transunion.com/legal/public-records. When you go to this website it states that TransUnion gets their information from XXXX. XXXX does not have any bankruptcy information for me. So XXXX DID NOT verify that this bankruptcy should be reported by TransUnion. 

By continuing to report Bankruptcy XXXX on my credit report TransUnion is violating the Fair Credit Reporting Act and can be fined up to {$1000.00} per occurrence.

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: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Back in XXXX when all the foreclosure started I was one of the cuatomers that obtained no help everyone would turn their back on us, We needed help and guidance on how to reciver and continue with our home. Yet no one neither did the bank or any organization attempted to help we were ones of the very beginning and they didnt have any protocol to follow in situations like the one we encounter and in XXXX we were asked to move out. Leaving us no other help or benefit but to live here and there with friends and family we were a family of 6 my kids were so young this was so tramatizing to let go of all the hard work we put simply cause our bank laughed at us over phone when we seeked for help.. hoping to get some money back we havent been able to buy a home..

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 2023-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dispute with XXXX XXXX  XXXX  billed on XX/XX/2023 for {$560.00} Amount not returned/refunded. 

Re-billed {$560.00} for a total of 4 times posted on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-27
Company: OCEANSIDE MORTGAGE COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello I have been working with XXXX XXXX to get a COVID forbearance under the CARES ACT. I was advised that " company policy '' dictates they do forbearance in 90 day increments and to call in at a later date to request an additional extension. I received an offer for coid 19 mortgage forbearance agreement dated XX/XX/2021 stating that my plan will begin on XXXX and will terminate on XXXX. I'm outraged that this company is deliberatly trying to offer me a forbearance in direct conflict with the guidelines set forth in the CARES ACT as well as put my request for an extension outside the XX/XX/2021 window. I sent them my hardship letter on XX/XX/2021 specifically requesting 180 days of forbearance. 

I also had my credit report negatively affected due to company reporting my mortgage as a late payment for XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Select Management Resources, LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
On XX/XX/XXXX Loan Star Title/Wellshire financial Services llc sent XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX to pick up my car after they made a mistake on legal contract and had the wrong name XXXX XXXX before making a correction to the documents and contract they sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX to pick my vehicle up on XX/XX/XXXX I spoke with the president of Loan Star Title Wellshire financial Services llc / XXXX manager of store and XXXX the president and she acknowledged that they made an error on XXXX XXXX but on XXXX the XXXX I paid what Lone Star asked me to pay {$2200.00} in order to get my car along with a {$650.00} repo fee after I paid they sent me to a location where my car can be picked up meanwhile I had trouble when calling a rep getting my car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX she denied me access to my car I had to return back to Loan Star/ Wellshire financial Services llc and speak to a manager by the name of XXXX, she intervened and call them and inform them that they had to give me my car although they refuse to in the beginning nevertheless XXXX instructed me in order to get my car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I will have to give them an additional {$100.00} in addition to the {$650.00} I had paid them she informed me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX will send me a text of what location to pick up my car and they required a money order form with receipt only and they have to keep the receipt of purchase, I disagree but because I was up under the stress, and my car so I abide ....

I believe Loan Star Wellshire financial Services llc/ have failed me as a consumer and they participated in an unfair trade practice, they also have cosigned with being a part of a deceptive trade Practice Act with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and it's not fair to any and all Consumers, anytime that you purchase a money order it shouldn't be required that you turn in the money order along with your actual receipt of purchase to any recipient, But XXXX at Loan Star title /Wellshire financial Services llc informed me that will be the only way to get my car, Finally, my car was return with the drivers side head rest tv monitor damage with no remote control, and a XXXX XXXX XXXX XXXX  with a {$200.00} gift card inside also missing i awaiting on supervisor to get back with me, as of XX/XX/XXXX but no follow up ye and I think they have accountability and liable as a whole, unfair practices, for their errors on a legal contact, the repo fees, my losses and damages, in which I occurred on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX since the sent them out to pick my car up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04
Company: CL Holdings LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
JEFFERSON CAPITAL SYSTEM OPEN ACCOUNT FRAUDULENT UNDER MY NAME ON XX/XX/ XXXX XXXX Reporting fraudulent activities to the credit bureau that is damaging me and my family credibility, I never opened and account with JEFFERSON CAPITAL SYSTEM or give them any permissible purpose to obtain my information NON DISCLOSURE without Consent is IDENTITY THEFT, I made several attempts to show proof of a contract and they ignored my request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/23, I did two ATM withdrawals back to back ( ATM XXXX XXXX XXXX XXXX XXXX CA XXXX ), one for {$800.00} and another for {$200.00}. The transactions deposited {$750.00} and {$150.00} back ( {$100.00} short ). When I saw that the bills being dispersed were crumpled in the machine, I counted and realized I was short {$100.00} total. There was a post-it note saying broken. I called my bank and they said they would process it, but I have just been rejected. This is unacceptable as the ATM was broken and my funds were not deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: AL
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:
Accounts is unaware of

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