BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XX/XX/XXXX I opened a Certificate of Deposit with Brio Direct ( powered by Sterling National Bank ) online. Luckily I printed off documentation from that transaction ( see pages 1-5 ) because I never received ANY OTHER correspondence via mail from this company again until XXXX ( see attached pages 6-7 ) which is a notification that this bank has changed hands. I did not sign up for an online account therefore I did NOT choose to go " paperless ''. 

Per XXXX, a month prior to my CD maturing, I should have received a notice - apparently giving me 7 days to withdraw my funds without a penalty- I did not. Nor did I receive a 1099-INT statement from this company in XXXX- as she stated that it was sent XX/XX/XXXX. 

The representative, XXXX, whom I spoke to @ XXXX and who also called me back from XXXX was unwilling to assist me in getting the {$22.00} fee ( as of today ) waived. Her claims are that if they have not received mail returned from my address that I must have received these documents. I've requested that dated copies of both the maturity letter and the 1099-INT be emailed to me at XXXX and nothing has been received. I also requested that this issue be escalated and set a time at XXXX CST on XXXX for a return call from a supervisor above XXXX and no return call was received. 

XXXX was condescending and uncaring, insisting she IS a supervisor, yet unable to do anything to assist me. Even after I told her I would like to escalate this issue, she continued to request that I give her permission to go ahead and close this account - of course minus the {$22.00} penalty fee. I declined her insistence, knowing that if I close this account- it will be a further battle to get this fee refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2022-11-03
Company: EQUIFAX, INC.
State: TX
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 have submitted several requests to have the date of first delinquency correctly reported for the XXXX XXXX Account listed on my credit file. I submitted proof along with my request. However my proof is constantly disregarded. Due to the first date of delinquency being reported incorrectly, the file is not aging correctly and is affecting my credit scores. Interest rates continue to rise and this file has prevented me from refinancing my home and has resulted in financial harm to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: MT
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 have sent in multiple disputes to correct incorrect, inaccurate, Missing information on my credit reports. I have vocally contacted the creditor and the creditor would not correct the problem and blamed the credit reporting agency. I have contacted the credit reporting agency they have said that the creditor has verified the information and there is nothing they can do. The creditor is XXXX XXXX XXXX, The Account Number is XXXX. The information that is incorrect on this account was that it was discharged through bankruptcy. This loan was reaffirmed and paid on time and in full. The reports show this account as a Negative The Payment History is inaccurate and shows the last payment in XXXX XXXX  XXXX. I retrieved the loan history from the loan department of XXXX XXXX XXXX. This history shows the loan paid in full and on time. The loan history shows payments from XX/XX/XXXX to XX/XX/XXXX. I will also include the account from Equifax which shows the Terms as XXXX, Monthly payment- Not reported, High Balance- Not reported, and Recent Balance- Not reported. I will attach a copy of the loan history and a account copy from Equifax. The other credit reporting agencies such as XXXX, XXXX, and XXXX have the same account from XXXX XXXX XXXX. I have been told not to file any more disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
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 purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
# XXXX items purchased for {$90.00}, {$53.00} and {$110.00} on XX/XX/21. 2 items returned XX/XX/XXXX and 3rd item  returned XX/XX/XXXX ( could not take them to store for faster credit due to Covid-19 as the stores were closed ).  Refund of {$90.00} has been supposedly processed as a credit 3 times including today. They claim this item is still sitting in their warehouse as unprocessed. Item for {$53.00} was credited but still shows on balance through Macys/XXXX XXXX XXXX. Item {$110.00} has been successfully credit to account. When I look at Macys.com the balance finally shows XXXX but when I call in to them to talk about it, I am told by their automated system that my balance is still {$140.00}. Please help!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
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: Account status incorrect

Complaint:
the balance of XXXX XXXX account number : XXXX its XXXX and it shows as {$310.00}

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX ) XXXX XXXX XXXX / XXXX XXXX XXXX XXXX Account Number : XXXX This account does not belong to me, it is the result of identity theft. 


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 an account without my written instructions.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Did not give any written consent to use my social security number XXXX XXXX XXXX XXXX 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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX Bankruptcy case number XXXX XXXX  XXXX Bankruptcy case number XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXXXXXX XXXX XXXXXXXX account number XXXX XXXX XXXX account number XXXX all of these companies have 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 Also states a consumer reporting agency can not furnish a account without my written instructions which i did not give. 

These reporting agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorizations to share any of my personal information, including bankruptcy to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, XXXX XXXX problems in my marriage, and paying higher interest rates for insurance, etc. According to to the Rochester District Bankruptcy Court of New York they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumers private information just to sell for a profit off of our mis fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When i call to have something resolved they act like they cant verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE XXXX XXXX report submitted on XX/XX/23 case number XXXX DOES NOT HAVE A BANKUPTCY REPORTING

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Two fraudulent bank accounts were opened in my name by Bank of America ( claims were filed for both ), despite a freeze on my SSN with the credit bureaus and a security alert placed on my identity with XXXX. They did not take the proper steps to verify my identity prior to opening the fraudulent accounts. When asked to speak with a supervisor to prevent this from happening AGAIN, they informed me it could be up to two business days. This is unacceptable given the sensitivity of the matter. 

The first account was opened on XX/XX/23. I called the customer service department and was told the account would be closed. I continued to receive emails regarding this account and called again on XX/XX/23. The first customer service employee I spoke to told me there were no open accounts and I had no reason to speak to a supervisor or their fraud department. I demanded to be escalated and their supervisor finally transferred me to the fraud department. The fraud department FINALLY confirmed for me that the account was not closed, as I was initially told, and that it was still open/active. I asked them to file an internal complain regarding both customer service representatives. 

A second account was opened on XX/XX/23. I called the customer service department who proceeded to close the account. I asked how their verification procedures could possibly let this happen again considering all of the security freezes and alerts attached to my information. Their response was that the fraudster created a new profile ( which clearly was still using my SSN and email, as the employee confirmed for me ) and SOMEHOW that allowed the account to be opened. I said that was unacceptable given the sensitive information they were using that should have been flagged in the system and I wanted to speak to a supervisor. They said the supervisor would tell me the same thing and I had to wait. After waiting at least 20 minutes, they said they would have to call me back. I asked how long that would take and they said up to two business days. I told them I would be filing a complaint. 

I have both BoA claim numbers and email evidence which can be provided upon request.

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 2022-03-07
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Frequent calls received from Harris & Harris at my work number. I have called back to the number left on the voicemails but get transferred from person to person and then disconnected. Calls received at the following times and dates : - XX/XX/2022 XXXX XXXX  XXXX - XX/XX/2022 XXXX XXXX  XXXX - XX/XX/2022 XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX, I reached out to Wells Fargo, to work out a loan modification, because we were about to be unable to make our mortgage payments moving forward. They advised me that I did not qualify for a loan modification, because I was not behind on my payments. They then instructed me to make partial payments for 3 months, through a mortgage forbearance plan, in order to fall behind on payments, in order to qualify for a loan modification. We agreed and did what they instructed. Then, after the 3 months, they asked for us to catch up the full amount that we were behind, which we clearly could not afford to do so. They then began rotating me around so many representatives that all promised me that our loan was being reviewed for a loan modification, that it honestly made me lose sleep for months. What we did not know at the time, is that they were moving full steam ahead to foreclose on our home, and sell it at auction, which they did in XXXX of XXXX. I believe this is what is referred to as " dual tracking '' which is 100 % what happened to us. The speed at which they did this with, really caught us off guard, and was devastating. We wound up having to scramble to find a place to live and lost all of our down payment and money invested in improvements to the home, which was a significant amount. We dealt with Wells Fargo in good faith, but that was never reciprocated. We were plain and simply never offered a loan modification, which we had a right to. I made numerous attempts, even as recently as XXXX to correct this wrong, but Wells Fargo to this continues to act like what happened, really DID NOT happen. Please help make this right.

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 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 : Account Name : XXXX XXXX Account Number : 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 an account without my written instructions.

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 2022-11-03
Company: FULTON FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
i made a pyment arrangement several time with representatives and my car was still repossessed. I was not able to make payments because i was laid off from work and i explained that to fulton bank several times please help

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 2023-04-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Today I received an alert from XXXX after my XXXX was stolen, stating that someone had applied for a Chase credit card in my name. An inquiry was placed on my file ( s ). I did not apply for a Chase account, and request that the inquiry be removed. I have taken steps to freeze my XXXX report for now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: TX
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 MAILED IN MY DISPUTES WITH ACCOUNTS THAT WASNT MINE, NOBODY RESPONDED.

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 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 MAILED IN MY DISPUTES WITH ACCOUNTS THAT WASNT MINE, NOBODY RESPONDED.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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