BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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.

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 explanation
Consumer complaint received 2023-02-06
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Received a text from XXXX. It states " XXXX & XXXX We notice unrecoqnized debit transaction on your acct, verify to secure ''. 
Web site included is " ( XXXX XXXX XXXX ) I believe this is a scam.

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 2023-03-10
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
PNC bank has been stealing my money and not putting my direct deposits in my account.i have filed over 200 plus police reports in XXXX county Texas and the COUSTMERS protection agency with the identity theft XXXX also XXXX. I never withdrew anything in regards to my account with y'all. Also on the XXXX of XXXX I was informed by your agency along with the bank that they just received the claim. Then on the XXXX of XXXX the said bank PNC XXXX my account for no reason. I would like to hear the recorded conversation in regards to SUPPOSLY me telling you this. THAT IS MY RIGHT ACCORDING TO Y'ALL 'S WEBSITE. I AM REMITTED THIS COMPLAINT AGAIN WITH PROFF THAT THEY STOLED MY PAYROLL AND MY SOCIAL SECUITY CHECKS. Also the XXXX company that was set up for auto draft. But apparently the funds were stolen from my account.the last 2 months. But know there is nothing showing the XXXX at all. I never went in and just took the keys. I used my bank card and I know it went through.so where is it on my transaction history. It is nowhere with the bank at this moment. I have the invoices and contract with me XXXX XXXX XXXX XXXX XXXX being listed as the authorized driver. Then how was I arrested for unauthorized driver.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-03-11
Company: EQUIFAX, INC.
State: GA
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 have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX, XXXX ( Original Creditor : THE XXXX XXXX XXXX ) XXXX Balance : {$5000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$700.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$660.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XX/XX/XXXX Creditor Name DEPT OF EDXXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$9600.00} Highest Balance {$6200.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$0.00} all of them too many to list Creditor Name XXXX XXXX Account Type Unsecured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 18 Months Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$1000.00} Payment Status Current Worst Payment Status 60-89 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due XXXX XXXX XXXX XXXX, TX XXXX wrong address wrong names XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Highlands Mortgage Servicing department is refusing to remove escrow from my loan. Highlands uses misinformation and unethical delay tactics to continue to deny the removal of escrow from my loan XXXX. 

I have given them signed written and verbal instructions to remove escrow from my loan, yet they continue to deny the removal. 

Highlands even lied on CFPB complaint XXXX saying that my loan was transferred to another servicer when the loan I am asking about is serviced directly by highlands. 

I have had written correspondence with : XXXX XXXX XXXX XXXX XXXX XXXX I have also called XXXX XXXX about this matter as well. 

All correspondence goes nowhere - Highlands is needlessly delaying the removal of escrow from my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receivables Management System has placed a medical collection on my consumer report without giving me the chance to dispute the validity of the alleged debt thereby violating the fair debt collecting act. when i found out i reach out to them and spoke to a representative over the phone in the first week of XXXX i then requested validation of the account. i received a bill from them requesting that i pay. i then sent back a request for validation. i have attached copies for review. it's been over 30 days they received my letter as i sent it certified with return. the debt has not yet been validated but the account remains on my credit in violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: NC
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-11
Company: EQUIFAX, 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 have been affected and suffered damages that go all the way back to XXXX, when Equifax announced to me that as of XX/XX/XXXX victim of their criminal cyberattack on its systems. 

The attackers gained unauthorized access to my personal information. My information was compromised and stolen including my name, Social Security numbers, birth day, address, and in some instances my drivers license numbers, credit card numbers, and other personal information. 

I was mislead as a consumer ( UDAAP ) this was the law that was broken. Cyber Crime with Equifax Identity Theft with Equifax on XX/XX/XXXX Due to my identity being stolen I have had many adverse items such as : My Identity was Stolen Denied EIDL AND PPP lost XXXX due to equifax credit reporting Denied a mortagage Charged a higher deposit on home rental Could not finance a vehicle Denied forbearance on school loans Had to pay more for car insurance Had to spend extra money due to suffering and had have medical treatment. 

I have mailed in a claim in XX/XX/XXXX to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX ( XXXX ) XXXX https : //contactus.equifaxbreachsettlement.com/en/contact Equifax Data Breach Settlement c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX , WA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: WELLS FARGO & COMPANY
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:
On XX/XX/2022 I purchased a computer XXXX from XXXX. On XX/XX/XXXX it was marked " Signed for by someone at the front desk/receptionist. '' and marked delivered. The problem is it was shipped to my private residence. Which has no front desk or receptionist, nor is it a gated community. It is a single family home. After trying to work with XXXX for a refund they refused so I issued a dispute with my Wells Fargo XXXX XXXX card. This is after XXXX had not problem refunding me for another package for a lesser amount marked delivered in the same way on the same day. 

I spoke with the Wells Fargo representative that told me since XXXX failed to collect a signature from me, this would be a simple dispute. Fast forward to last week Wells Fargo called me to tell me my dispute is denied. They said XXXX provided proof it was delivered. I asked for what proof as there was no one home, no photo taken as XXXX usually does, no signature provided. They told me the proof was the delivery driver said it was delivered and to contact the police or the Attorney General. This makes no sense? They will blindly accept XXXX  word over protecting their customers? 

XXXX has informed me they issued a refund to Wells Fargo in XXXX, and that it is now their responsibility. Wells Fargo claims they provided proof and now I do not have my XXXX or the XXXX $ I paid for it.

I went through all the hoops XXXX asked for, even providing police ( Sheriff in my case ) reports they claimed to require for refund, until they finally demanded an online link to the report as my copy was not good enough, but the Sheriff does not have an online system for reports. I have provided all of this to Wells Fargo.

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 2023-12-13
Company: Upgrade, Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card with Upgrade. In XXXX my balance was {$6800.00}. My payment on this card is {$390.00}, which I have made every month & some months more. To date my payment is still the same & my balance is now {$4000.00}. interest rate 19.80 %. I am not using the card. I've called the company twice as I don't understand why payment has not gone down. The customer representative at Upgrade told me this is not a regular card and eventually it will go down. I can not continue to afford {$400.00} payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: TX
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX Inquiry : 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 2020-11-09
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
( i ) Home refinance loan applied on XX/XX/2020. 
( ii ) Citibank requested {$1000.00} up front fees on XX/XX/2020. 
( iii ) Borrower paid fees on XX/XX/2020. 
( iv ) Citibak delayed process, loan not provided, borrower forced to withdrawal application. 
( v ) Borrower on XX/XX/2020 asked for the refund of the {$1000.00} fee ; ( vi ) Borrower application expenses totaled {$2200.00}.

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 2022-03-30
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2022 my mortgage was purchased by Mr.Cooper. I typically pay my mortgage in XXXX partial payments. My XX/XX/2022 payment was the first payment to go directly to Mr. Cooper. I paid as typical. in XXXX partial payments, which was never an issue with my previous company. Mr. Coppers website and app has partial payments as an option. I was charged a fee in XXXX because according to Mr. Cooper although my payment ( and additional {$150.00} in principal I paid ) went towards an unapplied funds account. I called Mr. Copper 14 times and couldnt get through on their phone system. I emailed the company three times and received no response. I had to take a day off of work, to stay on hold for 2 hours in order to speak to someone from Mr. Cooper. Finally Mr. Cooper reversed the fee, and applied the funds correctly- BUT Mr. Cooper reported to credit companies that I did not pay my mortgage AND they placed my additional principal payment of {$150.00} towards a forbearance payment. I have never ever been late with a mortgage payment, and have excellent credit. I want this company to be addressed for reporting false information about me to the credit companies. Furthermore, Mr. Cooper does not answer their phones for hours and never reply to written inquiries or requests. The representative I spoke with stated he submitted an investigation request. It has been two weeks, and I still have no response from the company. I was only able to reach a representative after 14 prior attempts to call them. I was unable to wait on hold longer than 1 hour those 14 times. I had to take a day off to wait on hold for 2 hours to speak to a representative. These are poor business practices and failure to respond to written complaints, in addition to reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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 have a loan with XXXX XXXX XXXX XXXX I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, Equifax, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Equifax, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/18 Balance : {$0.00}

Company response to consumer: Closed with explanation