BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., XXXXXXXX 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 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 2021-03-15
Company: RIA FINANCIAL
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:
RIA Money Transfer took money out on a bank account that I authorize them to. That cause me an overdraft big time. I use their online app for 2 transactions sending money to my mom and sister on XX/XX/XXXX and XX/XX/XXXX. I authorized them to use my second bank account and went through instant verification and transaction went through no problem. But today I have seen that they are taking the money out on my first bank. I called them and asked what is going on and told them I specifically authorize the charge on my second bank and they insist that I did. And ask them to furnish me my authorization to use it but they only sent me receipt thats shows the last 4 digit of the bank account #. Which on my email receipt when I did that transaction it doesnt show which bank account. I know I dont have have balance on that bank that is why I did not use it but they go ahead and charge that account and that made me overdraft for the first time. And they are not willing to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX a deposit of {$2400.00} was made. On XX/XX/XXXX and XX/XX/XXXX two deposits for XXXX each were made. As of this morning my account was positive {$61.00}. This evening upon checking again, it was put into the negative {$120.00}. After contacting the bank, I was told that there was nothing that could be done. They have taken fees that were covered by several deposits.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
The inquiry was not authorized XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XX/XX/XXXX/XX/XX/XXXXDate of inquiry : XX/XX/XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2021-10-25
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I would like to contact wells Fargo with this case and ask them to collect the money from them cause have been sending my money to scammers and not making a good payment back.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-03-29
Company: Experian Information Solutions 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: 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 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 2022-06-02
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:
On XX/XX/2022, I received an alert from the credit monitoring company called myFico stating that Equifax had posted XXXX hard inquiries on my credit report. The hard inquiries were from : 1 ) XXXX  XXXX XXXX XXXX posted on my credit report on XX/XX/2022 2 ) XXXX  XXXX XXXX XXXX posted on my credit report on XX/XX/2022 3 ) XXXX XXXX XXXX  XXXX posted on my credit report on XX/XX/2022 Upon seeing these unauthorized inquiries on my credit report, I contacted Equifax. The Equifax representative I spoke with advised me to send a written dispute to Equifax with my ID. I adhered to his advice and sent the documents. 

When I called, to inquire about the status of my disputes, I was told I had to wait ten business days. After 10 business days I called Equifax, I was told to send an affidavit. I drafted and sent a notarized affidavit. Equifax confirmed they received the documents and requested that I needed to send an FTC affidavit which I have included in this report. 
This matter remains unresolved, and Equifax has not taken the necessary steps to restore my reputation. When I called Equifax, they referred me to the companies ( XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX ) When I contacted Bank XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX regarding these inquiries, none of these companies had any documentation to suggest that I had either applied for a loan or credit card on XX/XX/2022 or XX/XX/2022. I have offered to schedule a conference call between these companies XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX ) and Equifax. Thus far Equifax has been uncooperative. 

These inaccuracies continue to damage my reputation with employers and creditors. It is also worth noting that of the XXXX ( XXXX, XXXX, and Equifax ) credit reporting agencies only Equifax has these inquiries listed on my credit report. I hope this matter gets resolved as soon as possible. PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
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: Information belongs to someone else

Complaint:
CREDENCE RESOURCE MANAGE XXXX potentially negative icon Potentially Negative StatusCollection account. {$710.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$710.00} Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$680.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$680.00} Date OpenedXXXX Details Revolving Accountsshow tooltip button XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$140.00} written off. {$140.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$140.00} Date OpenedXXXX Details XXXX XXXXXXXX potentially negative icon Potentially Negative StatusClosed. {$480.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXXXX Details XXXX XXXXXXXX potentially negative icon Potentially Negative StatusAccount charged off. {$530.00} written off. {$530.00} past due as of XX/XX/XXXX. 
Account TypeCharge Card Balance {$530.00} Date OpenedXXXX

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: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Recently logged into an account I forgot I had with Huntington Bank. There was less than {$15.00} in the account. It looks like they randomly charged a fee at the end of XX/XX/2022 of {$15.00} causing the account to go negative. They last charged a fee in XXXX and there also happened to be less than {$14.00} in the account, again causing the account to go negative. Upon further review this has happened randomly several times over the course of a year. They did not charge a fee every month but the months they charged a monthly fee it caused the account to go negative. This practice of charging a monthly fees greater than what is in the account on an inactive account is unethical and should be illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-24
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I got wiped out as did XXXX XXXX others in the crash of XXXX. I couldnt pay my bills and received collections, judgements and a littany of other negative things that effected my credit for quite sometime. Most of my creditors after around the 4 year mark started to voluntarliy remove the judgements and collections. They said they had received TARP funds and it was not fair they had been made whole in their losses and to continue to prosecute me financially. XXXX in a word. I just received a civil summons from Citibank for a prior judgment that I had received that was in XX/XX/XXXX for {$6300.00} and its now up to {$8500.00}. They are suing me again to extend this Judgement for another 10 years. This is weird as I have not been able to verify within Citibank ANYONE who knows anything about this. I sat on the phone half the day Friday after being served and part of Saturday and no one knows anything about this claim-no XXXX. A XXXX XXXX signed on behalf on Citibank. THE CFPB found Citi guilty of several issues with credit card sales and misreprenting interest rates to people in XXXX for periods between XXXX XXXX. I have looked at that settlement and CFPB ordered Citi to quit collection attempts for people during those years and I was also promised a rate that I did not recieve. I would like the paperwork for my orginal application showing my original rate and program parameters. I would also ask they honor the agreement they entered into when CFPB which found them guilty of what they are doing now. IF this is correct I am appaulded that they would attempt to continue to make people pay for things that happened from XXXX. All the other large banks I was dealing with - XXXX, XXXX XXXX, XXXX XXXX XXXX etc forgave the remaining outstanding collection/judgement because they recieved TARP funds. Citi received {$45.00} XXXX in TARP and the government agreed to protect losses on nearly {$300.00} XXXX in risky investments. They only paid back {$20.00} XXXX. Would love to have that kind of golden parachute, I think the most ludicrious part of this is " agreed to protect losses on nearly {$300.00} XXXX in risky investments ''. But yet they are trying to illegally collect from me.

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 2021-02-18
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX we entered into a forbearance plan for the months of XXXX, XXXX and XXXX. My mortgage company PHH Mortgage called me in or about XX/XX/XXXX. I was informed that the FHA insurance had been approved to cover the XXXX through XXXX amounts. I was told to resume my payments on XX/XX/XXXX. I paid my mortgage payment as agreed XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During this time I received calls from PHH. In late XXXX PHH said that they did not receive documents from me. I told them I sent them in the self addressed stamped envelope. They sent new documents for me to resign which I did. I also had tracking placed on this return envelope. I talked to PHH again on XX/XX/XXXX at when I was told everything was in order again. Then as I began to make my XXXX payment it would not take my payment. I called on or about XX/XX/XXXX I was told the notary on the previous document was no good because the doc had my name as XXXX XXXX and I signed in front of the Notary as XXXX XXXX XXXX ( which is the name on my deed and how I have signed my name since I was 12 ). I sent up an appointment with a loan specialist on XX/XX/XXXX, I was told they would send a new packet for me to start over and that I would have to do another forbearance. So feeling like I might be in trouble I agreed. I never received another set of papers to start the FHA insurance claim again. They never arrived so on XX/XX/XXXX I called PHH again where the person told me they did not need to send paper he could do the claim over the phone. I did this and he told me to call back in about 10 days. I also discussed the fact that my credit report was reporting me 120 days late and I felt that this was bordering on negligence maybe even criminal. On XX/XX/XXXX I called PHH again to check on the claim. I was told it was still pending and they would have a relationship manager call me on the XXXX of XXXX at XXXX. They also said they had not addressed the credit reporting of my mortgage. This continues to go in circles, the left hand knows not what the right hand is doing at PHH. I am able to resume my payments but can not get anything straight from PHH. This is resulting in stress over my family home and a bad mark on my credit report. Maybe the CFPB can help to get them to resolve this matter and stop sending me from agent to agent to hear a different excuse and kick the can down the road.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: United Shore Financial Services, LLC
State: OR
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:
To whom it may concern, My initial interaction with United Wholesale Mortgage was brief and seamless. Unfortunately, my experience has quickly gone downhill. I currently have three mortgages under my name, and I have never missed a payment. My first step of owning a new property is setting up autopay. 

I set up autopay on XX/XX/XXXX, please see attached email confirmation that was sent to me. On XX/XX/XXXX I received a letter in the mail stating that my loan was going to be in default if I dont pay my mortgage. I called into UWM and set up autopay again on XX/XX/XXXX with the help of a representative, please see attached email confirmation of this. I received another letter in the mail saying my loan was in default because my loan was not paid on time. I set up autopay for a third time on XX/XX/XXXX, calling in UWM afterwards to express my concern with the matter. The UWM employee was very helpful and encouraged me that this technical problem with setting up autopay would not negatively impact my credit score.

Unfortunately, because of their system to set up autopay failed me, my credit went down more than XXXX points. I had an excellent credit score XXXX and never paid late on prior debts. I have contacted UWM and submitted formal complaints with all levels of customer service representatives. They explained to me that because, technically, my payment was late, they could not do anything about correcting this issue. My rebuttal to them is that the payment was only late because of their failed system. I took immediate initiative to resolve the problem when it was brought to my attention. UWM told me that I needed to contact XXXX and put in a claim with their customer service team. UWM and XXXX both gave me the run around and treated me like a number on a spreadsheet, not a human being. 

I am a small scale real-estate developer in XXXX, XXXX, and having a good credit score is crucial to my success. Please, contact me for any additional information needed to complete this investigation. 

Thank you for your consideration, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Credit bureaus are reporting a closed account on my credit report. The account was closed in XXXX  of last year but Im still receiving late payments for XX/XX/2021. I tried to dispute this information but it keeps showing up again and again. This drops my credit score by 20 points every time!

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 2021-02-17
Company: AMERICAN EXPRESS COMPANY
State: OH
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:
On XX/XX/2020 and XX/XX/2020 AMERICAN EXPRESS add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: EQUIFAX, INC.
State: CT
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:
XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Sent the company a letter displaying violations that were committed of their behalf

Company response to consumer: Closed with explanation