BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 2022-07-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I received check from another business for security deposit return. Chase is refusing to release the funds cashed in from issuing bank claiming they can't verify the check and asking issuer of the check to visit the bank in person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04
Company: NAVY FEDERAL CREDIT UNION
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 sent a letter last XX/XX/XXXX to remove these negative items ; XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} These are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after filing the complaint. Ive already included this in my previous Complaint # & I am including it again.

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 2022-05-31
Company: Experian Information Solutions Inc.
State: NY
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:
Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXXXXXX Date Opened : XX/XX/2018 XXXX XXXX : {$7700.00}

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 2023-09-18
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt collector posted a debt on my credit reports abruptly this year and has changed the year a few times after I disputed it. One of the bureaus has since deleted after finding the information was changed. However, XXXX and XXXX has not removed this debt. I have not received any requested information from this company and have told them the original creditor had no information in their system. I've requested documents showing debt and/or XXXX XXXX XXXX of the amount they paid for it. I know sometimes the bureaus are paid but my consumer rights have been violated and unfair. The most recent the bureaus have done instead of deleting is adding remarks stating the consumer disputes this information. It doesn't show the account type, says account open which is against the law as this affects my credit. Now on one of them it shows account opened XX/XX/2021. I've requested the date and it is now changed. Both credit bureaus previously had different information. I want this account deleted immediately. The bureaus have my previous reports and can clearly see this account was not there two years ago including the original creditor 's information. Nothing from original creditor on my reports. Please request information from debt collector also showing this was reported in 2021. The debt collector is CCS Collections in the amount {$620.00}. Original creditor XXXX. This was added after first dispute. 

Creditor Information CCS COLLECTIONS XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX 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 2022-05-31
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I submitted a dispute to update my address on my credit report on XXXX. In my request I asked that the delete all personal identifiable information from my consumer credit report with the exception of the following : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Within the dispute I included all identifiable information such as utility the bill and my drivers license I received a letter from XXXX date XX/XX/2022 asking me for the same information that I sent in.

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 2021-10-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Spoke with Carrington Mortgage customer service XX/XX/2021. I was informed my request for mortgage assistance was being processed for the Covid-19 Mortgage relief program. I asked had the sale date for my home been canceled, I was informed it had not been. I was told Carrington does not cancel foreclosure sale date even though they are processing my request for mortgage assistance. I have read if your mortgage company is processing your mortgage assistance request they are suppose to post pone the sale date until the mortgage assistance has been processed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: M&T BANK CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I received a text message from an unknown number claiming to be my boss, XXXX XXXX. My boss travels a lot and I would not find it uncommon if she had a different number. I was asked to do a favor which involved purchasing XXXX gift cards, and then taking a picture of the gift card and sending it via text to the phone number. The number is XXXX. I first went to the XXXX located in XXXX Massachusetts where I purchased XXXX XXXX gift cards worth {$250.00}. I used my debit card for the purchase. I was asked to send a picture of the card via text and was told that these gift cards were being used for clients. I was told to save the receipts and that I would be reimbursed. I was then asked to purchase XXXX more XXXX gift cards worth {$250.00}. At this time the person on the text told me when they got off the conference call they had great news for me. I was then sent to XXXX to purchase more gift cards. I once again purchased two more XXXX Gift Cards that were worth {$250.00} each. When I went to purchase two more the associate at XXXX proceeded to ask me if I knew who these were going to. I answered that it was my boss that was texting me and that is when she asked if I recognized the number as there have been lots of people getting scammed lately. At this time I realized that could be happening to me. I texted the number back to say that my card was denied. ( which it was not. ) the person on the other line, then asked if I could go to an ATM and get cash. I asked for the person to call me and they stated they could not because they were on a conference call. I then asked for them to text me from the cell phone number that I knew was my boss XXXX XXXX. At this time the person stated they did not have the phone with them. They proceeded to keep asking me if I got more money and that the clients were waiting on me. I blocked the phone number and went to the police station to report the incident. I then called M and T bank to report what happened. My debit card was canceled that night .on Monday XX/XX/2023 my husband dropped off the police report to our local M and T branch in XXXX Massachusetts XXXX We asked for it to be faxed to the investigating team. I called on Tuesday the XXXX XXXX to confirm it had been faxed, which they stated it was. When I checked with the bank on Friday via email, I was told that they denied my dispute and never received the police report. I called the bank to request an appeal on Saturday, XX/XX/XXXX. I also reported the scam to XXXX and gave them the gift card numbers on Monday, XX/XX/2023 but they stated that the gift cards had already been redeemed.

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 2023-03-29
Company: EQUIFAX, INC.
State: LA
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: WELLS FARGO & COMPANY
State: KS
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:
Back in XXXX I was involved in a terrible XXXX accident and was in the hospital for several months that Resulted in me losing my job. In XX/XX/XXXX I contacted Wells Fargo and explained my situation and was told that they had a loan modification program I was told at that time while my loan was under review that I did not have to make any payments due to my circumstances While my account was under review. This dragged on for Seven months XX/XX/2014 through XX/XX/2014 after my loan was modified I then received notice that my credit history was impacted due to the lack of these payments While I was waiting for a response. Why'd it take Seven months for them to review my loan remodification? I believe the information I was given at the time was inaccurate and therefore not my fault. Why did they just add another 10 years to my mortgage rather than reducing my interest rate like I was asking? Wells Fargo has a complete disregard for consumers and their only interest is making money for themselves With an absolute lack of empathy whatsoever for any of their clients. 
Wells Fargo customer service has been unwilling to acknowledge their mistake I feel this practice is is wrongful and they should own up to this mistake. I ask that this negative report be removed from all three credit bureaus my next step will be to challenge this in a court of law in the state of Kansas.

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 2023-03-29
Company: EQUIFAX, 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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously filed complaints with the CFPB ( ID # XXXX and ID # XXXX ) as Experian and XXXX repeatedly deny my request to provide me with their method of verification as well as documented evidence that I owe the {$370.00} medical debt XXXX XXXX XXXX has reported that I owe. In response to my complaint and request, each again has provided a generic response that the debt has been verified as mine. I have been getting the run-around from all three companies since XX/XX/2022. No one will provide any documented evidence but consistently claim that I owe. I literally have no idea what this debt is for and have repeatedly ask for information as noted in my previous complaints. This is a gross violation of my rights as a consumer. 

On XX/XX/2022, XXXX and Experian updated my credit file again with this inaccurate information ( that the debt had been verified ). What a sham of an " investigation ''. I demand that this debt be deleted and removed from my credit file immediately as XXXX XXXX XXXX indicated in its response to my CFPB and XXXX complaints.

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 2023-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I first found out that a fraudulent checking account was successfully made in Bank of America on XXXX. I was notified via email that the account was approved from a bona fide bank of america email address. The name of the account was Bank of America Advantage SafeBalance Banking. I called the bank to have the account shut down and create a fraud alert. I then froze my credit at all three credit bureaus XXXX XXXX, XXXX, and XXXX ) and called XXXX to create a fraud alert. Two days later, on XXXX, I again got an email saying that a checking account had been approved in my name. The name of the account was Bank of America Advantage SafeBalance Banking. I called the bank again to create a fraud alert and have it shut down. I asked the agent how this happened again if I put so a fraud alert at Bank of America, notified the three credit bureaus and also put a fraud alert on at XXXX. The agent 's response was that Bank of America only does soft background checks before approving accounts. She said since the person doing this fraud had my personal information, there was nothing Bank of America could do to guarantee this doesn't happen again. I also placed a checking a security freeze on my file via XXXX on 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 2022-12-04
Company: SANTANDER HOLDINGS USA, INC.
State: LA
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, had violated my rights. 

15 USC Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

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 2019-10-29
Company: Nelnet, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: PNC Bank N.A.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Dear XXXX XXXX XXXX PNC BANK, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from PNC BANK. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon XXXX ( XXXX ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing XXXX instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Marcus savings at Goldman Sachs will not allow for withdrawals. I can not access my money because now they are claiming their website is down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX  XXXX Date Opened : XX/XX/2018 XXXX XXXX : {$7700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief