BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 
XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX. # XXXX Bankruptcy # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C.1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 ssection 604 A Section 2 ; it. Also states a consumer reporting agency can not furnish a account without written instructions. 

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 2019-09-19
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XX/XX/2019 On XXXX XX/XX/2019 XXXX XXXX XXXX deposited {$500.00} into the Wells Fargo ( WF ) account of XXXX XXXX XXXX, her son. She filled out the deposit slip for his account. She INTENDED to put the money into HER account, but did not do so. WF correctly put the money into XXXX 's Account. On XXXX XX/XX/2019 WF did 5 things : ( 1 ) It spoke with XXXX on the phone & she told them what she had intended but in fact did not do. ( 2 ) WF debited ( removed ) {$500.00} from XXXX 's account. They did not notify XXXX or me. ( 3 ) WF put {$500.00} into the account of XXXX XXXX. ( 4 ) They sent a false statement by USPS to  XXXX. WF wrote : " we want to let you know about an error we identified when processing a transaction from XX/XX/XXXX .... there was a delay in posting a deposit. '' This statement is false on 2 counts. ( a ) There was not error on the part of the bank. The bank put the money into the account ( XXXX 's ) indicated on the deposit slip. ( b ) There was no delay. The deposit to his account was on XXXX XXXX, the same day she filled out the deposit slip. ( 5 ) WF sent a false statement to XXXX and to me by USPS. The letter is dated XXXX XXXX & it arrived on XXXX XXXX. It came to XXXX and to me because we have a joint account. This letter says : " we want you to know about an error we identified when processing a transaction from XXXX XXXX on your account : a deposit processed in error to this account, to correct the error on XXXX XXXX, we debited {$500.00} from your account. '' Again, there was no error in processing. The bank put the money into the account specified on the deposit slip of XXXX XXXX. MY COMPLAINT IS THAT WELLS FARGO REMOVED {$500.00} FROM OUR JOINT ACCOUNT WITHOUT NOTIFYING US, WITHOUT ANY DUE PROCESS OR RECOURSE ON OUR PART, THEN THEY LIED REPEATEDLY ABOUT THE REASON FOR THIS. I believe they this debiting ( removal ) of the money was not legal. Remember the money was put where the deposit slip said to put it and the money had been in the account 32 days. I write this letter with full consent and knowledge of both XXXX and XXXX. I have documents to support all these statements. [ XXXX does not have evidence of the way she filled out the deposit slip on XXXX XXXX, but she tells me that she filled it out to XXXX ( not to herself as she intended ). She tells me that she has requested a bank copy of this transaction and has not received it after 2 weeks. ] She tells me that on XXXX XXXX she told WF that she had made the error on XXXX XXXX. She tells me that the error was not made by WF. The Wells Fargo department handling this is CORRECTIONS & RECONCILEMENT - CUSTOMER RESEARCH with a File # XXXX. I have not contacted WF about this matter. I am going to send a copy of this complaint to WF. I attach 6 documents to this complaint.

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 2023-01-25
Company: EQUIFAX, INC.
State: FL
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'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with File Number XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Please take the following items away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Attempted to purchase a stroller on XXXX  and seller said payment could not be processed through the app. Requested Zelle payment. Zelle payment attempted however XXXX XXXX XXXX blocked the zelle payment and then locked all my chase accounts. 
I called XXXX XXXX XXXX to find out why my account had been locked. They stated that the seller 's zelle had been marked for fraudulent activity. They asked if I would like the zelle payment to go through. I told them NO and to cancel the zelle payment. The agent stated the zelle payment was cancelled and would re-activate my account! 
Once my account was reactivated, I looked at my account summary. In my account summary the unauthorized charge had gone through The charge amount {$400.00} Date : XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: BARCLAYS BANK DELAWARE
State: HI
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:
Please find attached certified letter sent to Barclay in regards to inaccurate balance.

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 2020-07-20
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit Bureau Systems is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Medical Data Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called XXXX XXXX XXXX in XXXX XXXX. in XXXX regarding my debt. When i was seeking treatment at the facility in XXXX of XXXX i gave my XXXX XXXX XXXX insurance information and it was scanned into the system. In XXXX of XXXX i recieved a bill and i called the hospital billing department and was told they do not take my insurance. I then gave the representative my XXXX  Id. She told me she will file the claim with XXXX  and i will be notified by mail. Now on XXXX XXXX i got a call my account is in XXXX XXXX XXXX XXXX. I got absolutely no communication prior to my bill going in to collections i was not made aware mind you i was living at a completely different address than what was given to the hospital they claimed to send me mail i did not recieve nothing i even contacted my local post office and they are not aware of any mail coming from data system to my address. I the collections representative i recieve no communication prior to the XX/XX/XXXX. She did not care she told me not to lament on the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
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:
its accounts being reported on my Chex system and XXXX XXXX report that's not mine due to Identity theft and fraud some even have inaccurate addresses XXXX XXXX XXXX XXXX XXXX XXXX Florida I never lived there and when I went to locate the Adress it's an empty home. Also XXXX XXXX XXXX XXXX XXXX XXXX Fla XXXX never lived there and I never lived in XXXX XXXX XXXX XXXX XXXX Fl XXXX. My wife and I XXXX XXXX were victims of Identity theft and a lot of accounts been opened in Our name some XXXX and XXXX XXXX, XXXX, XXXX XXXX and also Inquiries. Please assist us in getting these issues resolved. This is Our Final step before filing a suit in Federal Court.

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 2020-07-20
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX and XXXX credit bureaus are reporting late payments which is Illegal. I have copy and pasted the XXXX law 1681s-3 the XXXX 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
Consumer complaint received 2018-11-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I requested several times that the reporting company verify the accuracy of the information disputed by did not cooperate..The accounts in question have nothing to do with me..Please step up CFPB and take the necessary steps to remove the accounts Bankruptcy chapter XXXX-discharged XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-07-21
Company: EQUIFAX, INC.
State: IL
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 A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: TCF NATIONAL BANK
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or around XX/XX/2019, TCF Bank ( Wisconsin ) conducted an administrative closing of my primary checking account. They intercepted my direct deposit funds from my employer, with a balance of {$330.00}, and they are refusing to relinquish the balance of my personal money property, and are attempting to steal my funds, by extortionate means. 

I was told to send a notarized letter to TCF Bank, requesting for my mailing address to be updated, in order to have my funds returned. 

I have made several attempts to find out when my funds will be returned, but to no avail. The bank keeps telling me that they are processing the cashier 's check that was promised to be sent to me, in a timely manner. 

On XX/XX/2019, TCF Bank received a " notarized '' certified letter in regards to my request, and they still refuse to return my personal money property, by way of theft. 

TCF Bank has closed my checking account, and refuse to return my balance. I would like for my funds to be immediately returned to me, as I do not authorize TCF Bank to take control over my personal money property funds from this point forward. 

Respectfully submitted, XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Hanna Holdings Inc
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX I filed a complaint with the company around Loan Originations Fiduciary Responsibilities per RESPA pertaining to an accurate Escrow Analysis on a home that was built in XX/XX/XXXX( per blue prints ), used as a model home and was sold to me in XX/XX/XXXX. A home appraisal was conducted for the value of the home and I purchased home owners insurance for replacement value, however was not used to figured accurate escrow for real estate taxes for the 360 amortization schedule that was provided. In addition, my loan was sold to another bank prior to first monthly payment and my escrow was understated by a near 70 %. This clerical error increased my monthly payment by {$900.00} and has affected my ability to repay. 

I received three separate responses from the company that are attached as supporting documentation. It appears that since I used this company for the home purchase and loan originations my personal information was shared within the company departments without my consent. In addition, the loan originator in which I filed the complaint called me personally to rectify my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-04
Company: Experian Information Solutions 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:
I just received a letter from XXXX confirming XXXX XXXX XXXX XXXX was accurate.I went to the XXXX XXXX XXXX XXXX today they denied having a investigation with XXXX.So ask for a letter he said he had none he could give me so Im filing a complaint I got copies of the XXXX  report as evidence will send in attachment, and can you please make sure all three bureau show a deletion of all information please thanks

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 2023-02-03
Company: Experian Information Solutions Inc.
State: IN
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:
In accordance with the Fair Credit Reporting act XXXXt Account XXXX XXXX XXXX # XXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-11-07
Company: American Credit Bureau, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a consumer who has been damaged and violated by a 3rd party debt collector named American Credit Bureau Inc. This debt collector has, by their own admission, engaged in MAIL FRAUD for the past 3 years trying to ILLEGALLY collect on an alleged MEDICAL debt from me that is 3 years past the STATUE OF LIMITATIONS. They ILLEGALLY reported negative information to my consumer report without my prior consent in an attempt to collect on this alleged debt. I initially filed a complaint on the CFB website ( CFPB COMPLAINT # XXXX ) for them to investigate their claim. They only updated the information on my consumer report. I later filed a complaint on the XXXX XXXX XXXX XXXXXXXX website ( XXXX  COMPLAINT # XXXX ), in which initiated a dialog between myself and American Credit Bureau. In our correspondence ( screenshots included ) they denied any wrongdoing even tho I pointed it out to them. When I investigated the information that they gave me during our conversation, it revealed that this company has been ILLEGALLY trying to collect an alleged MEDICAL debt from me under false pretenses, in which in MAIL FRAUD. I sent this company a letter, which they received on XXXX ( XXXX XXXX XXXX XXXX ) of my findings and they immediately deleted the account from my consumer report and sent tit back to the original creditor ( scan of letter included ). By that time, the damage has been done to my consumer report for the past 3 years causing my credit score to be inaccurate in which caused mental anguish, housing difficulty, and lack of credit worthiness. I sent AMERICAN CREDIT BUREAU Inc. another letter, which they received on XXXX ( CERTIFIED MAILER # XXXX ) to put them on notice of my damages ( {$5000.00} ), in which they did not respond. I sent them a last correspondence, which they received on XXXX ( CERTIFIED MAILER # XXXX ) to give them a final opportunity to remedy this issue along with an updated amount due to me by their blatant lack of due diligence and personal damages due to me by law based off their violations ( {$5000.00} ) and the amount of time that this company has damaged my consumer report and caused me personal damage ( 3 years ) ( total {$15000.00} ) ( letter included ). I am filing this complaint in full honor in an effort to resolve this matter with this company.

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 2023-01-30
Company: CITIBANK, N.A.
State: IL
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: Their investigation did not fix an error on your report

Complaint:
Hello. I am still an authorized user on a company credit card that I no longer work for. I left the company in XX/XX/2022 and have filed numerous disputes with XXXX. I have also requested the card to be closed through Citibank. The employer in question does not return my requests as I've had issues receiving my employment records and unpaid wages from them as well. The credit card is currently over the limit which has greatly impacted my own personal credit score. My credit score has dropped XXXX points due to this. The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2023-02-03
Company: Experian Information Solutions Inc.
State: PA
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 believe I may be a victim of identity theft. This information is unauthorized and I did not approve it to reflect on my credit reports.To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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