BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-20
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: Information belongs to someone else

Complaint:
I'm a casualty of wholesale fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another credit and these blunders are causing an issue with my XXXX ratings detailing appropriately, so any assist you with canning give me with refreshing this data quickly would be extremely valuable. We are hoping to purchase a house. Kindly assistance

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 2023-08-18
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Citibank Credit Cards. They have raised my interest rate to an extremely high rate. I called and they will not lower. It is currently 20.24 %. At this rate I will never get it paid down. It is the highest interest card I have. Can you help 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 2023-08-18
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023, scammers accessed my Wells Fargo account and set up a wire transfer of {$25000.00}. They then called me from what appeared as Wells Fargo 's XXXX number and impersonated Wells Fargo 's fraud department. They told me my account was compromised but they would assist with securing everything and reversing any fraudulent transactions. They told me we would be sending a wire back to myself to rectify the situation. The wire appeared as if it was being sent to me but was sent to a XXXX XXXX XXXX  account to someone I have no relation to. The wire was unauthorized and does not benefit me in any way. The next morning I contacted Wells Fargo regarding this matter and they referred me to the fraud department phone # and instructed to call on Monday morning, XX/XX/XXXX, which I did. 

On XX/XX/XXXX, I filed a claim with the Wells Fargo fraud department and they assured me my money would be refunded within XXXX business days. On Monday XX/XX/XXXX, I received a letter in the mail stating I would not be reimbursed the money per Wells Fargo 's terms and conditions. This is in clear violation of the EFTA, regulation E. I have escalated the claim and received notice from Wells Fargo that they are looking back into 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 2023-12-20
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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 2023-12-19
Company: Majority USA, LLC
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an account with Majority. 3 days later they closed it with no details on why. However I had {$500.00} in funds in the account when they closed it. 
I sent over all my bank details for them to forward the money. They advised 3-5 days.

Its now been 4 weeks with no return of my funds.

Ive sent over 40 emails and getting no response other than one guy responding something in XXXX which was off topic and nothing to do with my account.

The people on the phone are also no help and useless.

Theyre clearly scamming customers for funds and keeping their funds to earn interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
On XX/XX/XXXX, a decision was entered in the courts of the intention of Wells Fargo Bank to auction off my property, located at XXXX XXXX XXXX XXXX XXXX NY XXXX. Since that time we have gone through the covid-19 pandemic. During this time it was an understanding that because of the financial difficulties being experienced by home owners to keep up with their mortgage payments, there would be a stop placed on forclosures. 

Again neither my lawyer or I was informed of a decision by Wells Fargo 's Legal team to pursue another foreclosure and auction of the property. This decision of foreclosure was entered in the courts on XX/XX/XXXX. I received a letter in the mail stating a determination to sell at auction on XX/XX/XXXX. 

The fact of the matter is that it was never proven in court that Wells Fargo had legal ownership of the mortgage on my property. And the court issued this decision in XXXX. The reason being the paper trail of legal acquisition of the mortgage was never proven in the court of law. Wells Fargo could not prove how they gain ownership to the mortgage on my property. 

Since then twice there was a case for foreclosure of my mortgage without my knowledge of the case filed or date of court appearance. These cases were pursued and conducted in the courts to foreclose and a second notice of intention to auction off my home has been sent to 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 2023-01-13
Company: EQUIFAX, INC.
State: DE
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:
To be in correlation with the FCRA, the below list of accounts are violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A states that I have the right to privacy 15 USC 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any 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 USC 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 the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported 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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
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. 

Account name : XXXX  XXXX Account XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-08-18
Company: Block, Inc.
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on XX/XX/XXXX, I contacted " XXXX '' on XXXX ( sell/buy app ) to SECURELY purchase a {$390.00} XXXX XXXX XXXX XXXX from them. They told me the app wouldn't be able to confirm their banking info for a few days and that they were ready to ship it tonight. They then told me to cash app them the money so they could ship it and I receive my product as quickly as possible. I then sent the money through cashapp using my chase credit card and they sent me a tracking # via fedex. They told me I should receive the product no later than XX/XX/XXXX. I was later blocked by " younglo '' on XXXX and message so I have no way of contacting them. Cashapp would not start a dispute on behalf of it being scam, and same with my bank. So, I started 2 fraud disputes and they later came back denied due to me authorizing the purchase. However, I have mountains of proof that I will not receive the product in question and that this was a blatant scam -- which is still a fraud claim. My address and personal name have been compromised and I am extremely terrified this person may try to access more of my information -- and even scam others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX I signed an Agreement with the, XXXX XXXX XXXX, in XXXX of XXXX the Balance was PAID IN FULL, I have been waiting for more than 60 Days for my Title to b sent to me. But while I am still waiting, I receive a statement informing me that XXXX XXXX XXXX has purchased a FALSE ACCOUNT FROM XXXX  XXXX, this is a Account that was Paid in full and I CLOSED THIS ACCOUNT MORE THAN TWO MONTHS AGO!!! Now I have received a letter informing that Consumer Portfolio Services has purchased a ACCOUNT THAT HAS BEEN PAID FOR AND THEN CLOSED, this makes no sense to me, I AM STILL WAITING ON MY TITLE FOR THE XXXX XXXX XXXX XXXX # ( XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is for Truist Bank who merged with SunTrust. I noticed that I was being charged 36.00 fees with an available balance. This has happened over 6 times. I went online and made a phone appointment twice.No one called. Finally went into a branch. The rep was very nice. She stayed she could see where I was charged multiple fees with an available balance for a while..but they were coded something else. She called Corporate who states that a manager has to review and refund my account. There was no manager available. Rep says manager is away for 3 weeks. Horrible merger. These fees caused a trickle down effect causing more overdrafts. Online banking is horrible. I just want the fees back from the last 30 days. I am fighting XXXX and I can not continue being charged these fees due to bank errors.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute the presence of a fraudulent collection account on my credit report. After a careful review of my credit report, I have identified an entry for a collection account that I believe to be inaccurate and the result of fraudulent activity. 
XXXX XXXX XXXX XXXX PLEASE DELETTE!!! 
I want to emphasize that I have no knowledge of any such collection account, and there has been no legitimate reason for such an entry on my credit report. The inclusion of this fraudulent information is not only damaging to my creditworthiness but also inaccurate. 
I am requesting an immediate and thorough investigation into this matter, with the ultimate goal of removing the fraudulent collection account from my credit report. As a victim of identity theft, I am taking all necessary steps to rectify the situation and prevent any further damage to my financial 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 non-monetary relief
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: TN
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Company : Netspend XXXX XXXX Actions taken : Email sent to XXXX Excess difficulty during the online activation process of the prepaid card. This complaint does not include diffuculty due to personal information during activation process such as social sec number, ID verification, etc. This complaint is due to difficulty accessing the Netspend account in order to activate the card with an email address that is no longer resolving. 

I am asking Netspend to assist in the activation of the card via email, as their website does not have the functionality available to assist me. In other words, their technology solution does not provide the functionality required to activate the card without contacting support.

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 2023-10-19
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
I spoke with a representative from Shellpoint Mortgage regarding reinstating my loan. She advised me that I would have to pay XXXX XXXX XXXX XXXX XXXX dollars and seventy-five cents ( {$5400.00} ). At that time, I did not have the additional funds I only had XXXX XXXX XXXX dollars ( {$5000.00} ), but I advised her that I would have the rest of the money later. She advised me that if it rolled over to the next month, I would have to pay XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( {$6900.00} ). I advised her that I could do that. I called back in yesterday and attempted to make the payment, and they advised me that I would have to pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$8900.00} ). I told them that this was not what I was quoted and asked for a manager. I then opened the account online and discovered that they were charging me additional attorney fees outside of what they had already paid the attorney. I asked for a fee schedule to show how the money was being applied to the attorney. They told me that I would have to request this online and it can take up to fourteen days ( XXXX ). I believe that the only amount that I owe is the seven payments XXXX payments at {$900.00}, XXXX payments at {$910.00}, and an attorney fee of {$1500.00} which is a total of {$7800.00}. I have only been in foreclosure status for XXXX until now, and the records I downloaded online show the legal fees that were sent over to the attorney in XXXX were {$620.00}, and the attorney fees for XXXX were {$870.00}. Shellpoint Mortgage is attempting to advise, that within six days the attorney has billed me an additional {$1200.00}. there's no way this can have happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX several mortgage companies ... mine started with XXXX XXXX and was sold within 30 days to Bayview which in turn sold it within 30 days to XXXX XXXX XXXX  ... I made 2 payments 1 ) for {$1500.00} to XXXX on XX/XX/2019 and 2 ) for {$1300.00} on XX/XX/2019. On XX/XX/2019 they sold the acct to Baview with a suspended transfer amount of ( {$1300.00} ) and transferred amount of {$150000.00} bayview says it transferred at origination amount of {$150000.00} then they applied the suspended amount of {$1300.00} which brings the amount to {$150000.00} ... .I noticed the double payment within 7 days and started to get it resolved with both XXXX and Bayview ... it has now been approx 8 weeks, 10 calls, numerous explanations given, some helpful most not and still not resolved ... they made me get the paymentment history ... which XXXX XXXX services both company 's ... then said they could request it ... emailed all proofs on XX/XX/2019 called XX/XX/2019 ... and still not resolved ... I have a letter dated XX/XX/2019 they have sold the mortgage to XXXX XXXX XXXX ... interesting on date of letter and when proofs were sent to them ... in the meantime they are saying to make payments as usual though they will have no penalties for the next 30-60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 XXXX  Status : Open Date opened : XX/XX/XXXX Payment summary XXXX XXXX XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - Three late payments ( XXXX ) According to the consumer law 15 U.S. Code 1681a - Definitions ; rules of construction I hope this letter finds you well. I am writing to request information regarding 15 U.S. Code 1681a, which pertains to definitions and rules of construction within the United States Code.

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