BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX ( XXXX : XXXX XXXX. ) XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Originalcreditor : ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$920.00} ; XXXX XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXXXXXX : {$1000.00} ; XXXX XXXXXXXX XXXX : {$1700.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Sub-product: Store credit 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:
( Dates are best estimates as my account has been closed by the store by their choice ) I opened a Wayfair credit card in XXXX with Citi Bank. I received my credit card and proceed to make a large purchase of ~ {$2500.00}. Immediately after the online purchase I received communication my order had been canceled. 

I contacted the merchant and had to verify my identity and my credit card information. I was then notified they will redo the purchase on there end. They came back on the phone line, and told me they can not complete the order as it has been canceled and to complete it myself again I completed the same purchase yet again the total price this time was slightly more this time though. Immediately after checkout, I received communication my order was canceled. I contacted the merchant who made me verify my identity and my credit card information. They put me on hold. They came back again this time and told me they would not be processing my order and that I was not permitted to shop with them anymore and I needed to shop elsewhere. 

Still on my card statement to this date is a charge for each one of the attempted transactions for a random amount of money less then the total. Which happens to be the cost of the toilet for the first order and the price of the vanity for the 2nd order. 

I had filed multiple disputes using the online process with citi. After filing the report, I have never received any form of communication other then my dispute has been submitted. I continued disputing it up til the date that I received my statement for the 2 charges that should not exist even though the dispute confirmation letter stated the charges would be put on hold and not be due pending completion of an investigation. 

I then contacted citi using the messaging link in a text message I received stating my account was late. The customer service disregarded the information ( all of the above ) and told me they can not help me with 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 monetary relief
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: CT
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXX XXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Zions Debt Holdings
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Years ago I opened an account with XXXX XXXX who installed a security alarm at my residence. 

I was offered a small referral fee to refer friends and family. I referred XXXX XXXX to install an alarm at my fathers residence. 

The XXXX agent fraudulently used my information and opened and unauthorized account at my fathers residence to install the alarm. I was not made aware of the unauthorize account with XXXX until it went to collections. 

The current Collections Agency is Zions Debt Holdings who is demanding {$450.00}. I've attempted to remove this from my credit report without success therefore I'm asking for your assistance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: EQUIFAX, INC.
State: KY
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:
Per the FTC more specific the GRAMN-LEACH BLILEY ACT 15 USC 6802 ( a ) notice requirements. except as otherwise provided in this subchapter, a financial institution may not directly or through any affiliate disclose to a non-affilated third party nonpubic information, to a consumer reporting agency.

15 USC code 6802 ( c ) the consumer is giveing an explantion of how the consumer can exercise the non-discloure opition, to OPT-OUT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: FIRST HORIZON BANK
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Showing as potentially harmful on all three credit reports, showing as charged off, but was included in bankruptcy, I never received XXXX. This is a joint account XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: NC
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Upon checking my consumer report, I notice that someone fraudulently access my identifying personal information without my consent or lawful authority. I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove inquiry below. 
XXXX. XXXX XXXX XXXX DELETE NOW Failure to comply under the Fair Credit Reporting Act and my right to privacy I shall escalate this matter causing me harm and injuries to my reputation and mode of living.

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 2022-11-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to COVID, I had a difficult time making my mortgage payments and fell behind in XXXX, XXXX. My lender has denied any assistance to me. They have been asked repeatedly to send me the actual denial for appeal and I still have not received it ( I have been requesting it since XXXX, XXXX ). I am unable to appeal or know why I was denied. They have told me there is no available assistance for COVID and that I need to reinstate. They have sent my loan to an attorney for foreclosure. I was under the impression that the CARES act was passed so that homeowners did not lose their homes due to the virus. I also have now experienced XXXX hurricanes this year and my lender told me there is no assistance with that either. I want to pay my mortgage and keep my home however my lender is not allowing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: OR
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened new account XX/XX/2023 at Regions Bank. 

Went to deposit my payroll check of {$1000.00} on XX/XX/2023. Funds were not available upon despoiling, I called the branch and was told it would be available after midnight the following day. None of this was told to me while in the drive thru of depositing. Later that day, the mobile banking application showed funds were being held for 2 weeks and my funds would not be available until XX/XX/2023. Received a email stating they were holding my funds due to my account being repeatedly overdrawn for 6 plus months and my account wasnt even a month old and it was never in a negative balance. I called the XXXX telephone number and was told to contact the branch to get this hold released. I have made several attempts to speak with the bank and branch manager to get this resolved and they have all be very inconsiderate and rude. They have made none of my funds available, they refuse to release the hold because they state they cant lose their job if the check is no good. They had a lot of time to get that check verified they day I deposited it or even business days afterwards but they refused to do so. That leaving me no access to my hard earned money. I have direct deposit but they first check must be a live check for one pay period before direct deposit takes affect. This bank falsely stating my account to be delinquent in order to hold funds is not right. They refuse to do anything and now have caused me to fall behind on my dues and providing for my children because they want to be negligent. This bank needs to be held accountable for their unlawful practices. How can they hold a official payroll check with zero verification of being legit for 2 weeks without making any of it available to the payee?? They stated if I would have came in and cashed the check and turned around and deposited the cash this wouldnt have happened. The Branch manager who refuses to help and is extremely rude is XXXX XXXX ( maybe XXXX ) not sure of the spelling. Something needs to be done in this matter. 

Thank you 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 2023-08-12
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ
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:
This afternoon I received 3 calls from Amerisave Mortgage. none of which answer. A few minutes later I received an email that this same company had run my credit through XXXX XXXX. Without my consent and without my having had any communication with this company. At that time I received an email from XXXX that my score had been lowered by this company who ran my credit for a home loan. I HAVE NEVER APPLIED FOR A LOAN WITH THIS INSTITUTION OR WITH ANY OTHER.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX charged me XXXX  months worth of rent for not breaking my lease but for not giving XXXX day notice. The debt is now been referred to a collection agency. 

Per Ga Law, The general rule in Georgia is that if a tenant abandons rental property, before the lease expires, the landlord is not required to mitigate damages by re-letting the apartment. The landlord can allow the abandoned unit to remain vacant and hold the tenant responsible for rent that comes due under the lease. This rule applies unless the landlord accepts the tenants surrender of the property or the tenant successfully terminates the lease by following the language of the early termination provision of the lease. The landlord does not accept the surrender merely be accepting the keys or by entering onto the property. However, if the landlord retakes possession of the unit and re-rents the unit or allows others to live in the unit, he can not hold the tenant responsible for rent owed under the lease. 

I did not break my lease and the apartment refuses to confirm when they reletted the unit which I am positive was within 60 dys.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: TN
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:
I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 
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 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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 2023-04-04
Company: WELLS FARGO & COMPANY
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I received a call from a caller ID that stated it was Wells Fargo. I answered as I had a pending claim, and was told it they might need additional information. Once answering the person on the phone asked if I had authorized a transfer of {$1000.00} ( keeping in mind he already had all information needed for me to be under the impression it was actually the bank Including name, phone number, account number etc. ) He told me that it could get taken care of all 's I needed to do was approve the transaction from my end so that a reversal could take place ( which I received text/email confirmation of and that all of my money would be safe. After that he stated that he needed to check my other accounts to see if the same person tried to make a transaction with those accounts. He stated that there were 2 {$500.00} pending transfers in my account with ally bank, and that I needed to follow the same steps, and that everything would be taken care of. This call took place on XX/XX/XXXX from the phone number XXXX. I called that bank immediately after hanging up the phone to confirm the information. They informed me that i was not really talking to someone from the bank, then told me that there was no way to stop the transactions. I was told to file and claim and that my money would be returned in 10 days. I received no communication from either bank about the status of either claim so I called XX/XX/XXXX to check that status. I was told by XXXX is was denied and they couldn't give me any more information until I received a letter in the mail, and Wells Fargo wouldn't give me a straight answer. I finally received letters in the mail from both today XXXX that my claims were denied. I tried calling to see what else could be done to retrieve my XXXX that was taken and they told me it was my fault because I approved the transition on my end and they won't be giving my money back. They would as continue to transfer to me different people throughout all of the calls because they did know what to tell me.

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 2023-07-28
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 interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file. ive noticed alot of errors an this needs to be resolved asap. please review an remove all invalid item to clear my file. this is my XXXX attempt an no updates have been shown. please delete all infromattion asap.

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