BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, 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:
I have disputed with XXXX XXXX AND TRANSUNION SEVERAL TIME LETTING THEM KNOW I HAVE INQUIRIES LISTENED WITHOUT MY CONSENT, I did not give permission to inquire and I demand each one list be deleted immediately and pay {$1000.00} per fine per violation, they are listed belowTRULIANT ( XXXX/XXXX/XXXX ) XXXXXXXX XXXX XXXX  ( XX/XX/XXXX ). XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX BANK ( XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX BANK ( XX/XX/XXXX ). XXXX XXXX. ( XXXX XXXX BANK ( XX/XX/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 2021-07-26
Company: U.S. BANCORP
State: CA
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:
Hello, This complaint is about US Bank and their XXXX credit card. I've had this credit card with them for a very long time, longer than 15 years. To my recollection, I've never experienced fraud and never disputed any transactions on this account or any other accounts with US Bank. On XX/XX/XXXX, when I received my statement, I noticed that I had several transactions that were not authorized by me. I hardly ever use this card. I only use it for purchases in XXXX  or to make a one time purchase every couple of years, so US Bank would not close my card, as it happened to me before. 
After discovering unauthorized transactions, I immediately locked my card online to prevent further fraud from occurring. I took a day or two to look for my card and double-check with family members if they had seen it or used it. Even though it is not a common practice, I wanted to ensure the charges were not done by anyone I know. 
I realized that I lost my card when traveling to XXXX XXXX and coming back through XXXX on XX/XX/XXXX1. I immediately reported to US Bank every single unauthorized transaction ( which were 5 totaling over {$300.00} ) via their online dispute management system. 
Now, 60 days later, I still have not received a single confirmation that my disputes were received, I did not receive any credit back. I had to make payment out of my own money not to end up paying finance charges. 
I also logged in to the account this morning and noticed that US Bank did not even care to close out my compromised credit card and neither send me a replacement XXXX. 
I would like to report this serious violation of Consumer Financial rights.

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 2023-08-21
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:
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. 

I told the XXXX, XXXX XXXX and Equifax to reinvestigate 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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.

Also they are not even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Wells Fargo Bank not only used my information to open/close 14 stray accounts under my social security number and/or credit number known by the 3 credit reporting bureaus, making it a part of Wells Fargo 's multi-million dollar Cross-Selling scandal. They closed a charge ( s ) unauthorized, activities account and left me with fees steadily accruing after alleged closure and inactivity date ( s ). My credit is fine, have a few derogatory items to worry about  from prior to, two years account activities, for respected account ( s ). The only reason they could find for denial and an adverse action  is, " Previous Wells Fargo checking or saving accounts not maintained as agreed. '' Granted by, otherwise denied, paid/repaid, authorized Wells Fargo overdrafts. This has been the denial since my first credit/bank account opening attempts in XXXX. I feel that this is illegal and discriminatory in action, like Wells Fargo not granting account immigrants accounts because of discriminatory reasons. It might be due to their discriminatory actions against XXXX or XXXX borrowers, such as the lawsuit discussed in XXXX XXXX Wells Fargo 's scandals in the past reporting 20 years. In XXXX. XXXX they flunked community lending. They will not overturn/overlook this decisive action. All I need them to realize, is that I can and am financially capable of handling, any/all, of my credit accounts show pos. payment history for last two years on all accounts and XXXX balance on closed accounts. Please remedy this situation with extreme hastiness as Wells Fargo needs to just quit discriminating and taking advantage of people, approve of my application and let go of derogatory information about me, on an internal level unless it's going to be public to me? But how when there's no records of previous account activity for any of my Well Fargo Bank Accounts ' previously and possibly fraudulently  opened without my knowledge.

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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX, XXXX ( Original Creditor : IXXXX XXXX XXXX XXXX XXXX Balance : {$790.00} XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXXXXXX XXXXXXXX Date of inquiry XX/XX/XXXX SUB XXXX XXXX of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/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 2023-02-17
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Experian made it almost impossible to lift a credit freeze on my credit report. They were trying to make me purchase their credit protection service. The phone number on their website is to a 3rd party who sells this product. They were rude because I didnt want to purchase their product.

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 2020-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I discovered that XXXX XXXX , XXXX accessed and reported supplemental information about my to TransUnion, and utilized 3 services to do so : XXXX  XXXX  XXXX, XXXX, AZ, and XXXX, XXXX. 

These inquiries were never requested by me, this company never had my direct authorization, and I have never shopped for a loan of this type. They do not have a completed and signed application from me, they do not have my signature on file, and they do not have my permission to do this. 

The result is that new derragatory and inaccurate data is now on my credit report, meaning they utilized and pulled an incorrect XXXX XXXX from XXXX County, AZ, and is showing I have a property tax bill of {$1400.00} unpaid, when I have never owned a house in Arizona. 

DETAILS : 1 ) I have never heard of this company, nor ever conducted business with this company. 
2 ) On XX/XX/2019 XXXX XXXX , XXXX initiated a TransUnion report on me, and listed their names in the Supplement Information Section, as 3 inquiries, each as : Checking Account and Demand Deposit Account ; Supplement Public Records ; and Supplement Consumer Credit. 
3 ) All 3 of these inquiries shows XXXX XXXX XXXX, accessing my data from XXXX  XXXX, XXXXAZ, and XXXX. 
4 ) I never gave them any information on myself, and never sought them directly to engage in business. 
5 ) This company does not have any authorization from me to run these inquiries and furthermore post their findings on my credit bureau. 
6 ) I am seeking full remedies and course of action against them. 
7 ) I expect full resolution and removal of all 3 instances from my Transunion Credit Report by them. 
8 ) I do expect an apology in addition to this. 
9 ) Again, this company does not have my consent, nor my explicit authorization. They have never received it verbally, or in writing. I have never engaged with them directly.

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 2023-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To whom it may concerned, I XXXX XXXX was looking for work through indeed. I have gotten contacted for a job through indeed and went through the whole process and actually got it. Was working with them to end up getting scammed. All my money in my bank account ( savings ) was taken and they put me thousands into the negative / red.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. I would like them to remove from any affiliation with me immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: MO
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:
Equifax XXXX XXXXXXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Equifax it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I am herby requesting all above disclosures required by Federal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mortgage has refused to take my mortgage payments for several months and now they claim I am in foreclosure due to non payment but THEY have refused to take the payments. I have been making payments every month on time for several years and now suddenly they just refuse to accept my payments and started the foreclosure process. This is an investment property and they also have taken another investment property by means of dishonest tactics, claiming that the home was abandoned ; they twice sent a servicing company to break into the home and changed the locks and winterized it and caused damage to my home even though I was current with my mortgage payments. The second time the servicing company caused a lot more damage, I was in the process of doing some upgrades to the home and had installed a new water heater, stove, did remodeling and renovations but the servicing company pressurized the water line to the point that it ruptured the main water line and flooded the home and damaged the seals on the water heater. I had run out of funds to repair the damage that they caused so I decided to not continue making any payments due to their persistence on taking the home away from me. At the time I had a prospective tenant that wanted to move into the home but I did n't have the funds to continue fixing the damages caused by their servicing company so I decided to put the house up for sale but could not find any buyers due to the damage caused by NationStar 's servicing company. My other investment home located in XXXX, NV has quite a bit of equity and this is the home they refuse to take my payments and they want an outrageous amount of money to take it out of foreclosure due to their fraudulent tactics and refusal to accept my payments. They need to be investigated and taken out of business, both homes originated with XXXX XXXX XXXX loans and XXXX sold the loans to NationStar. They have been nothing but negligent in working with me. It is to their advantage to foreclose as they will gain financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: CA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the following accounts in my Credit Report : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 letter of incorrect and inaccurate information was sent on XX/XX/XXXX of 2022 and was received by the Bureau and do nothing about the dispute letter. Prior to this, I disputed this online. XXXX responded with a " Factual '' update without verifying accurate information that this account is valid and accurate. The bureaus are continually ignoring my disputes related to these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: GA
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 am a victim of identity theft and have notified the companies Equifax, XXXX and XXXX of inaccurate information being reported on my credit report by the company XXXX. It is to my understanding this information should be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
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: Investigation took more than 30 days

Complaint:
I filed 3 separate complaints about inaccurate information on my consumer report on XX/XX/2022, Complaint # XXXX XXXX ; Complaint # XXXX XXXX ; Complaint # XXXX Transunion. All 3 of the mentioned CRAs have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ). Furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) for those accounts, in violation the FCRA 623 ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( a ) ( 5 ) Under the FCRA, the updates have not been completed within the 30 days that are allotted before CRAs are in violation of the FCRA. Due to the lack of prompt action and continued inaccurate and/or not complete information continuing to be furnished on my consumer report, I am requesting the specific updates and deletions. Please see my instruction in the resolution section

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