BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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 XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
On all three credit bureaus there are multiple hard inquiries with the same companys multiple requests within the same Month. These companies have been Ordering additional credit reports when the information was still valid in the prospective time frame for them not to order an additional report. This has caused a tremendous issue in my lowering my credit score. All my account are in good standing. However, due to these hard inquiries it has caused a negative impact on XXXX, XXXX XXXX XXXX XXXX. 
All excessive inquiries should be removed immediately and updated accordingly to reflect a positive status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
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:
This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, GU XXXX XXXX XXXX XXXX XXXX XXXX, GU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2023-03-07
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:
This is my 2nd 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 ( names, accounts or inquiries : XXXX XXXX XXXX XXXX, ALXXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, ALXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-03
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:
XXXX stated they were going to do a soft credit check and they put a hard inquiry on my credit file for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your immediate attention a pressing issue regarding the inclusion of charge-off accounts on my credit report, despite multiple attempts to rectify the situation. I am seeking your urgent assistance to expedite the removal of these accounts and restore the accuracy of my credit history without further delay. 

Despite submitting disputes, the charge-off accounts on my credit report persist. This situation is causing undue stress and negatively impacting my creditworthiness, which is of utmost importance to me. 

I have attached supporting documentation, including previous dispute submissions and any pertinent evidence, to facilitate a swift resolution. 

Recognizing the significance of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I am requesting your immediate intervention to expedite the removal of these charge-off accounts. 

Considering the multiple unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the removal process, and take immediate action to resolve these matters. I expect regular updates on the progress of the removal process. 

I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies and that necessary steps are taken to ensure the swift removal of these charge-off accounts from my credit report. 

Timely resolution is crucial, as it directly impacts my ability to make informed financial decisions. I am asking for your assistance to remove these accounts in my credit file : XXXX XXXXXXXX Balance : {$250.00} ; XXXX XXXX Balance : {$8700.00}.

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
Consumer complaint received 2019-03-31
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with suntrust bank on Wednesday night ( XX/XX/19 ) online. I had an insurance check to deposit for roughly XXXX on Thursday. I opened account to just start fresh with the amount of money which I was depositing. They explained possible holds on he check etc, and I agreed that was ok and what not. Friday morning I get from suntrust bc I signed mobile alerts via online banking that the check cleared bc it was local and insurance so easily verifiable. I went into the bank had to do a signature card to get money our which seemed normal. Took a small amount and went about my business. Later Friday I decided to check XXXX via online banking. Mysteriously I could not log in said my account had been restricted. I called and they really couldnt tell me anything but I was working so I didnt have much time. He told me I need to talk fraud department. So I noted it planed to call Saturday morning along with going into a local branch. I called on the way the guy told me that suntrust had needed the relationship between me and them keep in mind but could tell me any reason as to why or what happened but assured I could go into the branch and withdraw my money keep in mind it stated that all calls are recorded. I get to the branch and basically the lady to me that they lied to me to get me off the phone, that the issue still having no clue what it is and still dont have a clue was above branch level and she could not do anything. So I have no idea whats going on I made her call corporate hoping to get some sort of answer as to how to get my money and why they closed the account. Nothing. I was there for almost 3 hours. I called myself to this time telling me I had to wait 30 and they will mail me a check and I asked for fraud department, had me on hold for 1 hour and 48 minutes to have answer the call after I was transferred. 3 different stories I was told. With this being insurance check I have much that has to be paid for ASAP as its destroying my credit. All I want is to be able to withdraw my money. She told me if i had a refund after their investigation they would mail it to me??? We are talking XXXX if I have a refund? I just need help in this matter to get my Money from this bank that after reading reviews is not far from crooks. She could even give a paper stating what my balance or anything is, ridiculous. Please help 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 2024-01-06
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021, I became a victim of identity theft. At the time of this incident, I only had two accounts opened with the bank : my checking and my savings account. Nobody but myself had access to my password or username and I was confident enough to trust the bank to notify me when suspicious activity happened. Unfortunately, I was not alerted when multiple fraudulent accounts were opened. On the afternoon of XX/XX/2021 I checked my online banking account and I quickly noticed that XXXX XXXX dollars were missing from my savings account. I called the bank to see what was going on as it was after hours and I was not able to go into a branch. As I was on the phone with a representative, I was informed that there had been XXXX different accounts opened from XX/XX/XXXX to XX/XX/XXXX, none of these accounts were authorized and I was not notified of these accounts being opened. One of the accounts, in particular, was being used and had a debit card linked to it, they would transfer money from my actual savings account into it and would withdraw the money at different ATMs in a different state from where I reside. The first transfer happened on XX/XX/2021, they transferred XXXX XXXX dollars and withdrew it at two different ATMs on the same day, the same processes happened on XXXX XXXX, and XXXX. XXXX of dollars were being withdrawn outside of the state in which I live and I was not notified of any of this activity happening. I submitted a claim on the phone and was told that it would take about XXXX weeks to get a response. On XXXX XXXX I received a letter in the mail regarding my claim, In that letter the bank stated that they would not refund my money because the accounts were opened using my username and password. I went into a branch the following day to speak to a representative in person, I got copies of all the fraudulent accounts opened and noticed that my home address had been changed to one outside of the state and my email address had also been changed. I asked the bank multiple times to review my claim again because I was not happy with the results but was always told that because my claim had already been declined and closed, they would not reopen it. I dont think it's fair to have my hard-earned money stolen and have the bank not do anything about it, I am in desperate need of help as I seem to not be getting anywhere by myself.

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 2023-05-06
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Today I received a letter from US Bank stating that I have a US Bank dda account which is overdrawn in the amount of {$3100.00}. 

I have never opened a dda account at US Bank. I have no knowledge of this account. I have obtained any benefit from this account. 

I did have an automobile lease with US Bank in 2020 for a XXXX XXXX. It was a 24 month lease which I purchased the car from US Bank at the end of the lease. 

My account history will show I was never late on any lease payment and paid the residual balance in full to obtain ownership of the vehicle.

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 2023-02-03
Company: EQUIFAX, INC.
State: UT
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 making this complaint by my own free will not with a third party but me myself and I so please do not close it down. Please submit it to the credit reporting agencies. so i was looking at my credit report and i noticed that there were some accounts i didn't recognize so i wrote to the credit bureaus asking them to remove the accounts that didn't belong to me and i never heard anything back and the accounts are still on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional 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 2023-09-28
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Previous Mortgage Company : United Wholesale Mortgage ( UMW ) As of XX/XX/XXXX, UMW adjusted my mortgage payment from {$3400.00} to {$2900.00} stating we were overpaying into our escrow account. They sent us a check on in XX/XX/XXXXXXXX  for the amount of {$10000.00} stating we are due the amount because escrow overage. I'm unsure of how they conduct their year escrow analysis projection and when they received the property tax notice, but for the periods of XX/XX/XXXXXXXX  - XX/XX/XXXXXXXX  my property tax went up from {$2200.00} to {$720000.00}. Due to the drastic change in property value our escrow should've went up. However UMW did not notified us of the changes or that escrow account was in the negative. Appearently they were paying the difference on our behalf instead of notifying us and readjusting our mortgage to reflect new property value amount. Concurrently in XX/XX/XXXX, they sold our mortgage loan to XXXX XXXX XXXX XXXX. They even sold our mortgage to the new company with a a negative short escrow account. 

Current Mortgage Company : XXXX XXXX XXXX XXXX  XX/XX/XXXX, the new mortgage company XXXX XXXX XXXX XXXX  notified us about the changes to our mortgage payment from {$2900.00} to {$4100.00}. Stating it was due to our negative escrow shortage of {$3500.00}. On top of the escrow shortage, I have to pay the new projected escrow amount of {$8400.00}. In doing so, my mortgage went up by {$1100.00}. Upon talking to the representative from XXXX XXXX XXXX XXXX  that when I realized what happened to my mortgage and escrow account with UMW. 

After contacting XXXX XXXX XXXX XXXX, I contact UMW to get a copy of our escrow transactions and review my previous mortgage statements. I now see when these negative balance have occur but when were they going to notified me of these changes. It was not until a year later with new mortgage I was notified of the negative escrow balance and changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2022 I noticed that there was a past due payment on my Banana Republic credit card ( XXXX ). XXXX XXXX  had just sold this account to Barclays Bank, and I was assured by Barclays that my " auto-pay '' would not be affected. Unfortunately, it was affected, and I received a late payment fee. I immediately called Barclays Bank on XX/XX/2022 and spoke to XXXX XXXX. He waived the late fee, instructed me to setup auto pay again, and verified that this was not my fault. He promised me that this would not go on my credit report. However, after applying for a loan at my bank, they informed me of the late payment history ( XXXX of XXXX  ). 

This late payment, and negative credit reporting is the error of Barclays Bank. My auto-pay never should've been interrupted, and I was told that it would not impact my credit history. How is this even legal?

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 2022-08-10
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Called to do a skip a payment.. it was approved i paid the required fee and was told to sign a paper i would receive within 10 days.. never received the letter so i called and i was told i would have to resubmit the application and that i would not have to pay the fee again since i already paid it well 30 days later my credit gets hit with a late fee and my credit dropped dramatically i called them and Ally said that its because i never paid the XXXX that was due for the skip a payment because the old fee of XXXX was applied to my account but not to the skip a payment so now it put me as XXXX past due and it keeps putting me late.. they are supposedly looking for the conversion where their employee told me I wouldnt have to pay it again since i already did but the executive team ( who I cant for the life of me reach in any way ) told me their associate was wrong but they where gon na look for the conversation where their associate told me I didnt have to pay its been a little over 3 months and no resolve my credit has been affected very very badly due to this i need 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 explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: CT
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:
According to my research about FCRA 605, CrediBureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX CT 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