BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
PERSONAL INFORMATION UPDATE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: TX
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:
ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX  XXXX XXXX ACCOUNT DATE XX/XX/2021 In accordance with the credit reporting bureau. Everything has to be 100 % accurate on my report. The credit bureau stated my account was properly investigated but how is that possible if the date open is inaccurate and the last date reported is inaccurate. This is ground for removal my right is being violated under 15 U.S.C 1681 Section 602 A. I have the right to privacy. 15 U.S.C 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written permission

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 2018-09-10
Company: LAKEVIEW LOAN SERVICING, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Since XX/XX/XXXX I have been attempting to make my account current and applying the funds under the correct category. There have been many letters sent, complaints made, and complaints uploaded to your site, CFPB. There has been no resolution as of today, XX/XX/XXXX and yesterday I received a inaccurate and offensive letter from XXXX XXXX. Today I have typed up a letter to send to him in regards to this letter, but I also decided to provide you all the information again pertaining to my issues with them over the past year as well as sharing his letter and my response. Over the past few months I have been paying off my debts and clearing up some outstanding financial issues. I have been extremely successful except for my mortgage, who had been unwilling to help. You will see in one of my attachments I am current on 4 out of 5 accounts. That to me shows a big red flag on this company and their reporting of my payments. I have sent many complaints to you and I see others have made complaints to you in reference to this company. I am not sure how you eventually get to a place where this company is investigated but I would highly suggest you begin an investigation before others suffer at there hands.

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 2022-09-30
Company: Experian Information Solutions Inc.
State: NJ
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEGATIVE ACCOUNTS : -US DEPT ED XXXX XXXX XXXX 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 2022-04-16
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: Reporting company used your report improperly

Complaint:
TransUnion violated a XXXX  law enforcement order. The order was issued to stop the company from engaging in deceptive marketing, regarding its credit scores and other credit-related products. After the order went into effect, TransUnion continued its unlawful behavior, disregarded the orders requirements, and continued employing deceitful digital dark patterns to profit from customers. TransUnion violated additional financial protection laws against me with the following accounts .... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My wife ordered an XXXX XXXX back in XX/XX/2021 for {$310.00} and it posted to our TD checking account as a debit. The account number is XXXX. The transaction was originally authorized by my wife but we never received the merchandise and never received a tracking number despite numerous requests!! 

Plain and simple everytime we complain about this to TD Bank they agree with us, do a provisional credit but for some inexplicable reason it is always reversed in the merchants favor saying that there was no error.. FOUR TIMES NOW!!!! This has nothing to do with an error!!! The transaction was authorized.. This has to do with the fact that the company has yet to provide any proof that we signed or even received a package .... we never received the package!! We are saying we never got it, why do they get to keep our money??? 

I don't know on what planet they are justified to get to keep my money when they never provided any proof of us receiving this package.. It makes no sense... The doorman never received it and I certainly never received it or signed for anything, they have no right to keep my money. The fact is is that the TD Bank representative always seems to agree with us on the phone and reopens the case but then for some inexplicable reason we are told there was no error. Again this has nothing to do with an error... the transaction was authorized we just never received the package... There was never any proof of us signing for it there's never been any proof of us ever getting it delivered to our door. TD bank has to do better... This is ridiculous they have been totally unhelpful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-19
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
My mortgage that was previously held by XXXX XXXX since 2017 has been sold to Newrez about 3 months ago. I am a senior citizen that receives my Social Security check on the XXXX Wednesday of the month. Because of this uncontrollable situation XXXX XXXX extended my grace period to the XXXX of the month to avoid monthly late fees and keep my credit rating in good standing. Newrez refuses to honor this part of my loan. XXXX XXXX sent me a letter stating these terms of which I forwarded this letter to Newrez. They admit receiving the letter but refuse to honor those terms of my loan. Why am I stuck with a company that I never asked for or agreed to? What recourse do I have? Please help me as I can not afford late fees each month. I have always paid my mortgage monthly and never missed a payment. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Velocity Portfolio Group
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I took out a credit card with the original creditor XXXX XXXX XXXX to rebuild my credit in XXXX and eventually use some of the funds for a vehicle down payment. I was fired in XXXX of that same year and I was having financial problems to the point of not being able to pay timely. In XXXX of XXXX, I lost my job as they were trying to make the arrangements to help me repay this debt and get back on my feet. However, I was denied unemployment along with no financial assistance due to having friends and family that disowned me due to my financial situation as they felt I never learn. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was also evicted from my home along with losing my vehicle, I have not had a place to live since XXXX of XXXX and no vehicle due to losing my car as well. 

I had EVERY intention of repaying this debt and NO intention of this situation escalating to a financial situation that was BEYOND my control. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have NO money XXXX XXXX  as I am trying to get back on my feet with stable income, a place to live and a vehicle. 

The company XXXX XXXX XXXX sent me an email along with a letter in XXXX of XXXX, I had every intention of paying the account off and no one contacted me to verify ANYTHING along with my requests to forgive this debt and I will admit to writing them VERY nasty letters with colorful language as I am VERY livid because I am trying to get back on my feet along with a place to live and a vehicle. 

I am also trying to have a stable income as most the employers, I applied to requires a credit check and I need this to get back on my feet. 
Thank you for your understanding and attention to this matter. 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 2022-04-16
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: Account information incorrect

Complaint:
They reporting a late payment last year 2021 I never was late they say they was Gon fix it and remove it but never did it's still there plz remove 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 explanation
Consumer complaint received 2023-09-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I submit 2 wire transfer and they deliver only one transaction they don't keep me update on the second one the client didn't receive the money and they check with they bank and tbere is no upcoming wire transfer from me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/, I purchased three chocolate bars from XXXX XXXX XXXX 
They do not accept credit cards online and requested payment as a XXXX payment. 
They provided a XXXX name and phone number to send the payment to. 
I paid {$50.00} per chocolate bar plus {$30.00} shipping, {$180.00} total. I never received the order and have tried to contact the merchant at the phone number provided for the XXXX payment and it is no longer a valid phone number. I have also tried contacting them several times via email and have not received a response. I contacted my bank, Wells Fargo and they did an investigation and told me my claim for reimbursement was declined. Please note, the correspondence from Wells Fargo is addressed to XXXX XXXX, who is my husband. The Wells Fargo account connected to my XXXX is our joint 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 2023-07-19
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX payment of {$1500.00} made on XX/XX/XXXX through USBank to XXXX XXXX at XXXX  XXXX XXXX. Taken out of my account immediately, scheduled as instant payment XXXX has not received as of XX/XX/XXXX. XXXX  XXXX XXXX says not received. US Bank insists XXXX has received. US bank stated will not refund until claim is completed, taking XXXX days. 
I believe it should be refunded now since their system error. I had to send paper checks to XXXX so am out {$1500.00} through no fault of mine. I have made these rent payments through my account to hers for over 2 years with no problems until XXXX and XX/XX/XXXX. I have have been a US Bank customer for many years. I believe this is a form of theft by XXXX, which Federal Reserve says is owned by US Bank

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 2023-08-19
Company: Harpeth Financial Services, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Today, XX/XX/2023, Harpeth Financial took everything out of my account and my son 's account WITHOUT notifying me!!! I have no idea who they are or even who they represent!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XXXX of 2019 I signed up for a " free '' credit report from TransUnion, without requesting any additional services. Since then I have been charged almost {$25.00} a month for " monitoring '', every month, without receiving any notifications, receipts, invoices, etc. There is also no way to terminate this subscription online : one has to call them on the phone, wait on hold, give personal information ( e.g. SSN ), and have the account canceled. TransUnion is clearly trying to avoid this charge being noticed, and obfuscating the fact that you " sign-up '' for this when you request a free 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 monetary relief
Consumer complaint received 2023-05-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account was always froze because of unrecognized transactions for small dollar amount but never for large amounts.

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 2023-05-25
Company: EQUIFAX, 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 Account # 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XX/XX/2017 I had experian dark web protection XXXX services and XXXX protection plan I discovered XXXX XXXX phone service let someone add 7 XXXX and a XXXX  phone to my account this went on til XX/XX/2017 XXXX   restoration services detected fraudulent activity but never proceeded. Then all kinds of bizzarre occurances I have been legally seperated well over 10 yrs. 5 years ago my stepdaughter was killed in a horrific car accident my mother died that same month I fell shattering my hip went thru severe XXXX .In the meantime I was awarded a very large settlement thru the USTreasury I didnt even know about I had been using my ex s grandmothers address for a mailing address the last 5 years.Well this past holiday season I came to town to see my son and mine and my exs grandchildren when i received an internet inheratence and notice of a large dispursement on the now annuity from USTreasury that I haddened been told about my ex and his brother and family now live in the grandmothers house shes past away I confronted him with it while i had a cab waiting he rammed me into a wooden corner cabnit breaking my XXXX.i went to the hospital reported it that town wouldnt arrest him for it unless i went in person and filed.Now Govt shutdown Im at a XXXX XXXX shelter still not accessing annuity or overseas stocks and inheratence 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 non-monetary relief
Consumer complaint received 2023-09-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I ordered my son a soccer jersey from what I mistook for a real website using my citibank Mastercard linked to my checking account, after realizing that there was no contact information, that the tracking number never had any update and no ability to contact this " company '', I filed a dispute with my bank. They sent me a letter that I did not resolve the dispute in my favor and to contact the merchant. There is no way to contact the merchant. The website is a sham, no options for contact etc. The tracking number provided ( see attachments ) was also not legitimate. A shipping label was created, but never used.

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 2023-09-19
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: AL
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:
Aside from my complaint last XX/XX/XXXX which the companies responded with deletions being made but not all got deleted. My complaint last XX/XX/XXXX and XXXX, XXXX was closed immediately. Please don't close my complaints because there are still MULTIPLE fraudulent items on my credit report. I'm reaching out AGAIN for assistance to remove them from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: McNeil & Meyers Asset Management Group, LLC
State: DE
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:
All 3 bureaus have placed this account on my credit report without my written consent. This account does not belong to me. I have no knowledge of this account. The account that is showing on my report incorrectly is : XXXX XXXX XXXX Acct # XXXX in the amount of {$2800.00}

Company response to consumer: Closed with explanation