BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I received an email from Bank of America asking if I sent {$3500.00} to a person I have never heard of. I responded No. I received additional text from who I thought was Bank of America stating to correct the problem, i needed to transfer {$3500.00} to myself and the money would be stopped from going to person ( XXXX XXXX  ) and would be transfered back into my account. I should have known better, but i had other problems at the time. I did not have a XXXX account and had not heard of XXXX before this date. I was instructed to open the XXXX account with point by point instructions. I sent {$3500.00} to XXXX XXXX on that evening of XX/XX/2022. I received all information from a phone number that appeared on my phone XXXX XXXX, Which I recognized as Bank of America number, After the transaction I called Bank of America on that number and was told that they did not call me for that transation. The operator opened a fraud claim and said I would receive communication about the claim in 10 days. Two weeks later, I received a letter that they were investigating. One month later My claim was denied. the Bank suggester I contact the receiver for a refund, To conclude, 7 on your side in California got BoA to refund the money. Why not me, This has happened to others and I was to believe Resolution E portects coustomers l like me. I tried to accept this loss but I can not. I need to receive help to get my money back. 
Thanking you in advance, 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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2017-02-08
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX XXXX Account paid in full and was deleted and then reinserted.

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 2016-08-21
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nation star mortgage does not own my mortgage nor have ever owned my mortgage. The court has acknowledged this however they report the credit agencies as if I owe them money. Only after I complained to XXXX did nation star stop reporting and marked my file as frocluser process started. Nation star had zero authority to ever report to the credit bureau and I demand nation star delete this account from my credit history all together as nation star routinely does with other borrowers where nation star has no interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Received an alert on my Experian credit file stating that XXXX. reinstated a collection Account ( XXXX ) That was previously removed. Alerted on XX/XX/2017 of this new account and then again on XX/XX/2017. I never received the 5 day notice required by law that the account in question was legally validated. I have no contract 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 2022-03-02
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The insurance company titled XXXX XXXX XXXX XXXX XXXX is reporting to my Transunion report that a policy was opened under my name without my comsent or permission. It then been sent to collections to a company under the name of XXXX XXXX XXXX. It is not fair for me to receive countless emails, mail, & phone calls for an insurance policy that was never opened without my consent or permission. This is a case of idenity theft and has dramatically costs me thousandths of dollars due to my credit report being abolished from some criminals. I Demand XXXX XXXX XXXX XXXX XXXX be immediately removed from my credit report TransUnion is reporting that the insurance policy was initially opened on XX/XX/2021 WITHOUT MY CONSENT OR PERMISSION I DEMAND THIS BE REMOVED IMMEDIATELY FROM 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 2021-07-09
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an auto loan with Ally Financial. I will be returning the vehicle to them under voluntary repossession. I notified Ally in writing of this and also notified them that I was revoking their right to make contact with me vial phone or text. This revocation was done in writing as directed by the Fair Debt Collection Practices Act, and was sent via USPS registered mail with signature required and a return receipt. Ally signed for the letter on XX/XX/XXXX. Since then I have received eight additional calls from Ally, attempting to collect this debt. I have contacted them and told them of the letter and that they had received it and signed for it and not to call me again, to communicate with me via written letter. They have ignored the revocation.

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 2020-08-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MI
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:
Inquiry from BMO Harris BK N.A on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on 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 explanation
Consumer complaint received 2023-07-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Re : XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX Account # XXXX Date : XX/XX/2023 Based on the Office of the Comptroller of the Currency ( OCC ) official comments, Wells Fargo didn't capture all of their clients that were involved in denied Loan Modifications. Numerous individuals lost their homes due to the robotic foreclosures that took place during that timeframe. My property in XXXX  XXXX Florida ( XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ), formally part of XXXX. was one of those properties that should've have been part of your original class membership. The fact that it wasn't identified is the real problem that the OCC had noted.

I strongly believe that the initial review performed by Wells Fargo to identify these properties was not encompassing, thus incomplete. The various updates provided by the OCC reflected that the number of homes affected ranged from XXXX to XXXX homes. One can reach the conclusion, that not identifying all of the potential clients may have been self-serving and ultimately saved Wells Fargo XXXX in penalties and settlements. My primary residence fell between the cracks and I'm sure there are other properties that were not properly identified. XXXX, they were not included in the class action suit, thus not entitled to any of the penalty funds put aside for this purpose.

The attached documents reflect correspondence ( s ) between the individuals that were coordinating these efforts for " Wells Fargo ''. As noted, the responsible representatives and/or assigned Attorneys just ignored the correspondence and foreclosed on my property, without a modification. The foreclosure ultimately lead to bankruptcy. 

Please review the information that Ive attached. If you need any additional information please contact me via my email ; XXXX and XXXX respond promptly. 

Respectfully, 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 2016-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed the public records listed on my credit report which were dismissed without prejudice, yet Transunion Smart Move continues to report them as judgments for debts, specifically evictions. I requested an investigation, to which the company exceeded 30 days to respond. And when they did respond beyond the 30 days, they responded and said they verified the information as accurate from " a web site. '' As you will see from the attached. The cases were dismissed without prejudice. However the bureau refuses to adjust this.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : 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 2016-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I am the victim of ID theft and have submitted a police report to transunion. Under Georgia law, I am to receive free credit freeze with temporary lifts ; however, transunion is attempting to bill me for these services.

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 2023-02-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My wells fargo bank account was hacked by unknown stranger on XXXX and they pretended to be me last year and XXXX their own bank account over XXXX dollars. XXXX while i was not notified until an hour after stolen from I was not able to pay my bills or rent i needed to borrow money to cover my costs it took wells fargo over a month to send over my wrongfully taken money and it was a credited to my credit card not to my checking account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Atlantic Recovery Solutions LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received numerous harrassing calls/messages threatening legal action but no written communication/proof of the alleged debt from this collection agency. When I asked for this, they refused without me first providing my SSN. They call numerous times leaving messages, I don't know who these people are and have no knowledge of any alleged debts. They are now calling family members leaving messages in addition to me prompting concern for my privacy. I want ALL harassing activity towards me and family members to cease immediately, and all phone numbers removed from their records immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The Car Loan for XXXX Lincoln Navigator with XXXX XXXX was paid in full XX/XX/XXXX. XXXX will not dispute this. We recovered the vehicle before it was re-poed XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: WESBANCO BANK, INC.
State: OH
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:
The statue of limitation is up and this negative items are still on my credit report and i wish to have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: IL
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:
THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. I'm sending this complaint because I have pulled up my credit report just recently and I noticed some hard inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section XXXX of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. Equifax is reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : 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 
Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
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:
Hello, I found out the accounts that do not belong to my activity. I checked them and realized that they are not mine. I do not recognize them and this is identity theft. I am shocked by this reality and I would like to ask you to remove them from my profile. I am a young expert and I do not want these fraud accounts ruining my life.

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 2022-03-15
Company: EQUIFAX, 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:
Hi, my name is XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to report a distressing incident regarding unauthorized account activity and threats made by XXXX, a subsidiary of XXXX XXXX. I have been a victim of fraud and identity theft in the past, and it appears that my personal information has once again been misused to open an account without my consent. I kindly request your assistance in resolving this matter promptly. 

The unauthorized account in question is associated with XXXX XXXX and was reported by a company named Credit Collection Services under file number XXXX XXXX XXXX. I was completely unaware of this account 's existence until I discovered it on my recent credit report. To my dismay, the account is negatively impacting my creditworthiness and causing undue stress. 

In an effort to rectify this situation, I reached out to XXXX directly to explain the issue and request immediate action. I spoke with a representative named XXXX, who regrettably failed to provide the assistance and support I had hoped for. Instead, she informed me that I was responsible for making payments on a phone that I neither possess nor require. This demand from XXXX places an unfair burden on me and exacerbates the distress caused by the unauthorized account. 

Given my previous experience with fraud and identity theft, I am deeply concerned about the potential implications of this unauthorized account on my financial well-being and personal security. I have taken all necessary precautions to protect myself from such incidents, including regularly monitoring my credit report and being cautious with my personal information. It is disheartening to find myself entangled in such a situation once again.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation