BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 at about XXXX XXXX. I purchased gas at the XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA. I paid at the pump with my debit card and proceeded to drive home. I arrived home around XXXXXXXX XXXX. at my home in XXXX  XXXX, CA. When I arrived home I did my normal chores, etc. and around XXXX XXXX. I started to get ready for bed. At about XXXX XXXX I logged onto my bank account at Bank of West and there was over {$1800.00} in charges to my account. At no time did I leave my home. My debit card was in my wallet/purse the whole night. The last purchase I made for that day was at the above XXXX XXXX XXXX for {$52.00} on XX/XX/2023 at around XXXX XXXX  I immediately called Bank of the West and they put a stop to my card. I believe my debit card was skimmed at this particular XXXX XXXX XXXX. All the purchases made that night were in XXXX XXXX, XXXX XXXX, and XXXX XXXX which these cities are at least 50 miles from my home. At no time did I leave my home when I arrived home from work that day. I never allowed no one to use my debit card. Bank of the West has now blamed me for the purchases and refuses to help me out. I am supposed to feel protected and my money is supposed to be protected by Bank of the West. At no time did I receive any notifications from Bank of the West that these transactions were going on. Bank of West 's fraud department is stating that I did all these transactions myself. I am being treated like I am the criminal! I had no knowledge this occurred until XXXXXXXX XXXX that night when I checked my bank account. I have proof of my whereabouts at all times. I have written to all customer services where all purchases were made. One of the stores that person or person who were unauthorized to use my debit card information wrote me back and sent me a copy of the receipt from XXXX XXXX  XXXX. The person or person ( XXXX ) who skimmed my card purchased items, the items all related to men 's wear, etc. First of all, I do not have a husband or boyfriend. The only man who lives with me is my son XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. There were 5 transactions to XXXX in XXXX XXXX XXXX XXXX XXXX row with amounts of $ XXXX each. There were several other transactions. 
Why did I get notified that this was going on from Bank of the West? These person or person ( s ) went on a shopping spree on my dime! I have been unfairly treated by Bank of the West. It has been a horrible experience and I have been tryin to fight this claim. I am ready to go to small claims court if I have to.

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2023-10-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wells Fargo Bank after purchasing another bank, Wells Fargo Bank, only inforces the banks conditions in the contract, it removes all the consumer 's rights in the contract, it takes over the property, even if you have paid it or not

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 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 DID NOT AUTHORIZE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
There is an address on my credit report that I have never seen before in my life. I am a lifelong resident of Louisiana and this address is in MD. I have no idea who it belongs to or why it is on my credit report. I have disputed with the 3 credit bureaus but it still hasn't been removed. I have placed a freeze on my account. It appears to have been on there for years ; I also disputed several derogatory collections tied to this fraudulent address but the bureaus have not removed it. I sent in my license to correct it but nothing has been done.

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 2020-03-10
Company: CITIBANK, N.A.
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:
I made a purchase online ( website : XXXX  ) for a jacket on XX/XX/XXXX, the amount of order is {$280.00}. 
I received a XXXX tracking number from this website, the order was supposed to ship from XXXX. I waited for a few weeks, but no tracking information updated at all. Later I went back to the website and saw that it was shut down, that when I realized it's a fraud website. 
I opened a dispute on the credit card charge with Citibank on XX/XX/XXXX, case number XXXX, submitted evidence ( I attached them to this form, too ), Citibank didn't contact me to ask for more information except rejected my dispute one month after the dispute on XX/XX/XXXX, with ZERO explanation provided to my lost. 
I contact Citibank customer service for the reason of losing the dispute, the representative gave me a local phone number of the investigator who's on my case. I tried that number many times and no one answers it. That's when I believe I've exhausted means to resolve this issue directly with Citibank.

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 2018-09-07
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Attention dispute department RE : Unauthorized Credit Inquiry Dear Sir/Madam This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX   Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX  Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-08-31
Company: Experian Information Solutions Inc.
State: CT
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: GA
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 asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Georgia XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2022-03-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like my credit corrected.

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 2022-03-17
Company: Specialized Loan Servicing Holdings LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In the process of refinancing my mortgage, I realized that I am still being charged for private mortgage insurance. My mortgage reached 78 % LTV in XX/XX/XXXX and should have been subject to the automatic termination clause of the Homeowners Protection Act at that time. Unfortunately, that did not happen and over two years later, I am still being charged {$10.00} per month for PMI. 

I have attempted to resolve this with SLS, but despite numerous phone calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I am no closer to a resolution. They are refusing to remove the PMI without a valuation and will not acknowledge the 26 months of PMI payments I have made after it should have ended. My calculations show that they currently owe me {$280.00}.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid off close to {$50000.00} in student loans in the last few years. XXXX XXXX in Tennessee is not reporting this information to the credit reporting bureaus. The credit reporting bureaus all show I have {$20000.00} worth of student loans unpaid and I have paid them off 100 % and this information needs to be reported.

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 2022-12-27
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have had multiple conversations and hours on the phone with personnel acknowledging overpayments in fact on my account and say they have to escalate it to get it resolved and then nothing gets resolved. Freedom Mortgage XXXX I am behind 1 payment yet when you look at my payment history from their site since my XX/XX/XXXX refinance, I have made 28 payments with additional funds showing yet since XXXX they tell me I am behind, this was the month that they also generated XXXX XXXX statements and show 1 payment sitting in a suspense account that they will not recognize. XXXX XXXX and funds in suspense attached. 

Inquiry sent today XX/XX/XXXX and XXXX  : Hello, I am asking again that my account be reviewed and corrected. I have made 28 payments since I refinance in XX/XX/XXXX. My payment history attached from your site and my bank records reflect that. However, you have put funds in suspense in XX/XX/XXXX that total 1 mth payment. The next 2 months I paid additional to catch up on the XXXX loan amount that I was not aware of because I am set up for auto pay through my bank. I am not behind on my account. Please apply funds in suspense to my account. Again, the attached pmt record is from your site. 

Thank you in advance, 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 2023-01-18
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I found there to be numerous unauthorized transactions that were posted to my checking account starting on XXXX and continuing until XXXX which is the date that I first noticed the transactions and when I contacted Wells Fargo to cancel my card to prevent any further charges as well as to file claims for the unauthorized charges that had already taken place at that point. These unauthorized transactions fall under Wells Fargo Claim Reference Number : XXXX. I was grateful to have gotten a provisional credit issued to my account a few hours after filing the claims for the total amount of the disputed transactions which was {$1400.00}. Two days later I find that the very first disputed transaction that I filed a claim for was denied and the amount of that transaction was then debited from my account. This happened right before a Federal Holiday and I assume that based on how quickly they decided to deny my first claim that they will ultimately do the same for the remaining claims that I filed and subsequently debit my account for the entire provisional credit amount. This despite the fact that the transactions in question are completely unauthorized and were unbeknownst to me until deciding to login to my online banking account to see what my balance was because I was getting ready to have to access the money in my account to pay my rent which is how I first became aware of the unauthorized transactions on XXXX. In the days following being issued the provisional credit, I needed to withdrawal basically all of the funds in my account to purchase a money order to pay my rent for the month which I did, late due to the circumstances, but fortunately paid nonetheless. Therefore if Wells Fargo decides against my claims as they did with the first one out of the bunch and ends up debiting my account for the entire amount of the provisional credit then I would not only be out of the {$1400.00} in unauthorized transactions but my account would also be in the negative for that same amount so Id essentially be punished twice because I needed to pay my rent using the provisional credit. Aside from the initial claim denial, theres about XXXX additional claims that are still under review and havent been ruled on yet but after seeing the first claim denied and the amount debited from my account I wanted to be proactive in filing this complaint in hopes that this will help get me the right outcome for my remaining claims which would be for Wells Fargo to rule in my favor and make the provisional credit in my account permanent by ruling in my favor.

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XX/XX/2023, XXXX reported my account as 30 days past due while still in XXXX ( i.e., they reported XX/XX/2023 as 30 days late while still in XXXX. Not sure how an account can be marked past due within the same month that the past due amount is reported. This was disputed with all three credit reporting bureaus ; XXXX and XXXX found XXXX reporting to be incorrect, and thus, my credit report was changed. However, Transunion, after providing the same dispute information and proof provided to XXXX and XXXX, TransUnion still finds and reports XX/XX/2023 as 30 days past due. However, they have my account status for the account markets as Current, Paying as agreed. In XX/XX/2023, XXXX received a payment on XX/XX/2023 ; therefore, regardless, a payment can not be marked 30 days past due when within the same month the payment is due. Transunion 's unwillingness to change this account 's payment history demonstrates an unwillingness to protect the integrity of consumer financial reporting. Further, it demonstrates their unwillingness to side with the consumer due to having financial incentives with financial institutions such as XXXX, which incentives them for siding with the institution over the consumer ; how is it that 2 of the three credit reporting firms found reason to change the credit report, whereas Transunion does not when provided the same information as provided to the other reporting companies.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 anxiety. 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 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