BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is XXXX percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be XXXX XXXX accurate. 

XXXXXXXX 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 2021-10-08
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a credit background check ran when I was trying to rent an apartment. The landlord ran the check through Equifax. The landlord stated that the report came back that there was no such person. I have tried to set up an account online and an error ( code NH ) continues to come up and says to contact Equifax. I have called them and they said I am not in the system and to fax my social security and drivers license to them. It would take 3- 5 days and that I could call them to check on it. I sent the information and I have now called multiple times for the last week. Each time they either hang up on me or say there is nothing they can do. One person said it was an issue with social security department to call them. I did that and the social security office said all is good on their end and that the problem lies with Equifax. Equifax said to call my bank and credit cards, I did that as well. All of my accounts show up on XXXX and XXXX but I an not a person on Equifax. I have asked numerous times for a supervisor and they won't let me speak to anyone else. I have now since lost the apartment ( lost the credit check money of {$50.00} ) and need this taken care of so it doesn't happen for further credit checks as I am looking for an apartment. I have just moved out of state and am really in a bind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: VA
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-08-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX closed my account and took position of my money when I contacted them the local branch had no idea why it was closed or where my money was. They said they would look into it and call me right back. 
After 2 days I had to call back but they could not tell me where my funds where. And after talking to them I realized that had informed them on XXXX different occasions but they never changed my address. The manager said he would contact the main office and find out where and when I will receive my funds. I have now waited a week and I have not heard from them. 
The bank is XXXX XXXX XXXX XXXX, XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XXXX I bought two round trip airline tickets from XXXX to XXXX using XXXX wells fargo go far rewards points. On XXXX, the airline, XXXX XXXX, emailed me informing me that both the departing and return flights have been cancelled and that I would get a full refund. On XXXX, I got an email from go far rewards stating that there was a travel update and I should contact them. I have called Wells Fargo go far rewards 3 times since then requesting a refund for the flights and have no yet received one.

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 2023-08-07
Company: WELLS FARGO & COMPANY
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo I have had an account with since 2013. I signed up for checking that was free as long as I used 10 debits a month. I receive tips as payments and unknown to me, I was being charged a service fee every month because it changed without notifying me. I had no idea I was being charged because it was not described on my account. I had overdrafts because of this. The new policy said if I had direct deposit I wouldnt be charged but I did not sign up for this. I dont get a paycheck because I make tips through my job as a bartender. It is not clear to me how long I was being charged. Im not sure when the change accrued. I called to complain and one lady called me a liar and the other one said they switched. I should have had a free account as long as I used my Debit card 10 times a month.

I guess they were forced to disclose this charge eventually and i thats when I found out about tbr fees being taken without my knowledge or consent.

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 2022-04-01
Company: EQUIFAX, INC.
State: NY
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 writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report because it is affecting my score negatively. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions 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 am interested in disputing all incorrect information on my credit report with experian. please delete all incorrect data asap to update my file.

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 2019-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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, XXXX XXXX XXXX  XXXX placed two charges on my mastercard account totaling {$15000.00}. I notified Bank of America that I had never done business with that company and the charges were fraudulent. They removed the charges pending investigation. Approximately two weeks later, I received a letter from Bank of America advising that they believed the charges to be valid and I would have to pay them. I contacted XXXX XXXX XXXX XXXX. They are in Maryland and are not licensed to do business in Virginia. They advised that they do billing for XXXX XXXX, the company that I had contracted to repair my deck. They were told the deck was finished and they could put it on my credit card. My agreement with the XXXX XXXX Employee was that I would provide a check at each point of completion. They never had permission to place these charges on my credit card. The deck was to be installed XX/XX/XXXX. Some work was done in Spring, XX/XX/XXXX, but it wasn't done correctly. They were paid over {$8000.00} to order materials and begin the first phase, and are not owed any additional funds yet. This has lowered my credit score and has caused financial problems. The first workers came in my house and my copy of the contract was taken. They refuse to provide me with a copy.

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 2023-10-18
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am submitting a complaint to you today once more, to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit https : //www.ftc.gov to file a identity theft report, that I did, and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an Identity Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 EQUIFAX : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I've been getting mail with offers for applying for a XXXX credit card and other CC for months. I have called the number listed in said mail to stop the pre-screening. I've called twice in a 3-month span. It's a nightmare to get off the list due to the robot-assistant in the call but both times I haven't hung up until it confirms I'm off the list. I'm still getting unsolicited financial product offers such as the XXXX XXXX offer in my mail weekly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$100.00}

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
UPDATE TO CLAIM XXXX -- -- -- UPDATE TO CLAIM XXXX -- -- -UPDATE TO CLAIM XXXX TRANSUNION is an elaborate mechanism as CONGRESS defined it under 15 USC 1681 ( 2 ) ( 3 ) who has ASSUMED its role to acquire and assemble my private personal identifying information against my Federal Right to privacy under the PRIVACY ACT OF 1974. TRANSUNION has committed identity theft under 18 USC 1028A as well as has acquired my social aka credit card to furnish a credit account with a fictitious score without my written consent as CONGRESS REQUIRES under 15 USC 1681b. TRANSUNION has been put on NOTICE of these WILLFUL VIOLATIONS and has been given 30 days to perform accordingly in good faith and remove the demanded accounts from consumer report as CONGRESS demands under 15 USC 1681a ( 2 ) ( i ) and 15 USC 1681c. TRANSUNION was also put on NOTICE for damages accrued by me due to these WILLFUL VIOLATIONS in the form of XXXX XXXX XXXX XXXXXXXX and inability to exercise my right to credit within the banking system for personal and household needs due to the false adverse accounts illegally reported on my consumer report. TRANSUNION performance in bad faith has caused me to be discriminated against because I have been denied a right to credit which is my GRANTED RIGHT and HAVE BEEN DENIED CREDIT. TRANSUNION is now directly in violation under the EQUAL CREDIT OPPORTUNITY ACT as well under TITTLE 18 USC 242 as well under 15 USC 1681q and 15 USC 1644 for acquiring my private information including my credit card defined under 15 USC 1602 to furnish a credit report that goes against CONGRESS requirements to coerce money in the amount via a subscription payment. TRANSUNION is also in contradiction of the IRS definition of Charged Off debt and the manner in which it should be described as INCOME and NOTHING ELSE. TRANSUNION is in fact reporting charged off accounts that are considered as income by the IRS which IS NOT REASONABLE and a direct violation under 15 USC 1681e ( b ) and 15 USC 1681i. TRANSUNION has been put on NOTICE AND IT HAS BEEN XXXX DAYS AND TRANSUNION HAS NOT RESPONDED TO I THE CONSUMER NOR THE CFPB FAILING TO ADDRESS THE MATTER IN A TIMELY MANNER and must remove the accounts regardless.

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 2023-05-25
Company: Acrisure Mortgage Partners, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I closed on my home in XX/XX/XXXX, I had already had XXXX  once in XXXX and then it hit my home again in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I applied for the COVID forebearance in XX/XX/XXXX and was approved for 6 months. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and later in the year I applied for an extension on the forebearance and was granted. Today, XX/XX/XXXX, I requested the forebearance be extended for another 6 months which is what the mortgage company outlined on their website and I qualified for, BUT today I was told that since the plan didn't start in XXXX that I was NOT eligible. This is NOT what has been told to me throughout this process and should be extended due to the HUD backing on my loan. The lady that I spoke with from FBC Mortgage was SO UNHELPFUL and very short, she would not let me speak with a supervisor or give me another number to contact for a review of my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Please I need help with this inquiries i dont recognize to please have them removed from my credit XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XXXX XXXX CAPITAL ONE on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE BANK on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE on XXXX XXXX XXXX XXXX on XXXX XXXX CAPITAL ONE NA on XXXX XXXX CAPITAL ONE AUTO FINANCE on XX/XX/XXXX 2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This is several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$14000.00}

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 2023-09-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been a victim of identity theft. I have field the correct paperwork and sent it to the credit reporting agencies and disputed the accounts. The paperwork has not been attached to my disputes and the accounts have not been removed. 

These are the accounts : 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 explanation
Consumer complaint received 2022-12-20
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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXX XXXX XXXX XXXXXXXX Balance {$690.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX  Balance {$810.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXX ; XXXX 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 response to consumer: Closed with explanation