BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-16
Company: EQUIFAX, INC.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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 XXXXXXXX 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 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 reporting 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 2023-04-21
Company: EQUIFAX, INC.
State: PA
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 there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2020 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, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my 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 explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: NC
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 made several attempts to have the incorrect and invalided information and updated and removed from my credit report in accordance with 15 USC 1681 PRIVACY AND CONFIDENTIALITY : Below is the information in question : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
The below complaint was submitted to CFPB against Wells Fargo prior, the Wells Fargo rep issued a reply which addressed a different complaint regarding a debit card dispute in the amount of {$290.00} from XXXX... I can assure the CFPB the below complaint has nothing at all to do with the dispute which is unresolved.. Please see below complaint.. 

According to rep with XXXXXXXX XXXX  in bank security dept by the name of XXXX, an amount of {$140.00} was sent to Wells Fargo along with another amount of {$690.00} as part of a fraud claim. The claim concerns a remediation payment in the amount of {$690.00}, compensation for unauthorized accounts opened by Wells Fargo reps... I spoke with XXXX on XX/XX/20, was advised of the above, unable to obtain check numbers for payments or reason amount of {$140.00} sent to Wells Fargo and not myself. There is a current CFPB complaint against Wells Fargo regarding the payment amount of {$690.00}, which is being handled by a XXXX in corporate office, unable to reach her by phone, I am providing information regarding additional payment amount of {$140.00} here. It appears both payments sent directly to Wells Fargo and not to a specific account, which was mentioned in prior CFPB complaint and attempted to advise XXXX of today, unable to do so. I've attached XXXX XXXX  letter here showing amount of {$690.00} sent to Wells Fargo, letter dated XXXX. I do not have letter showing amount of {$140.00} sent to Wells Fargo as of yet, however, I believe bank security can do a conference call with Wells Fargo to confirm. Complaints marked as duplicate will be resubmitted to other agencies, request investigated by CFPB

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 2019-06-23
Company: DISCOVER BANK
State: IL
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:
On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX   XXXX XXXX, XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation. I have filed a police report in the past about this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX to XX/XX/2019 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my 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 explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and delete for erroneous reporting in my file and is listed on my credit report. 

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 2022-12-22
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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 XXXXXXXX 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 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 reporting 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 2021-05-27
Company: Square Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Cash App has a boost offer where if you receive {$300.00} in direct deposits from your employer you are supposed to receive {$30.00} off any purchase you receive over {$30.00}. I signed up for direct deposit using the information provided to me by cash app and on XX/XX/XXXX my employer issued my direct deposit payment to Cash App for my salary. Cash App held the deposit for a few days and ultimately returned it to my employer. I feel I should be entitled to the {$30.00} offered through the promotion since I used the information that was provided to me by Cash App. I have submitted documentation to show the setup of the account in our payroll system, I have sent copies of my paystub showing the deposit, I have sent the notice I received from the payroll specialist at work but they refuse to honor the promotion they have offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: PENTAGON FEDERAL CREDIT UNION
State: GU
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Penfed Federal Credit Union - Check # XXXX in amount of $ XXXX was deposited into Penfed savings acct on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, check was charged back. Ive requested documentation showing summary and to this date, have not received it via email. Penfed states check was charged back due to insufficient funds. Called multiple times and visited local office and each time was asked to submit additional documentation ( acct summary, check images, FRB confirmation ) thus the multiple uploads. Penfed insists check did not clear. 

XXXX XXXX XXXX XXXX - Per statement provided, check cleared XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, funds were pulled again and at such time was insufficient funds since already previously cleared thus being charged a {$50.00} fee. Spoke with manager and was also provided full account statement showing funds cleared. 

At this point, neither institution wants to take action to correct error. If funds cleared as stated, where did those funds go? All requested documentation has been submitted. Pls help! 

Thank you for your time!

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 2023-04-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX  XXXX Act Name : XXXX XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 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 2023-10-31
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Since my mortgage I've held for over 10 years was sold to Mr. Cooper they continually harass me via phone-call to refinance my loan, they've been told repeatedly I'm not interested, and have now resorted to spamming my email, using the email I utilize to access my mortgage account to do so. I have a low interest loan from XX/XX/2013 and their hard sells are an attempt to put me in a financial situation in which I'm paying drastically higher fees. I contend that they are likely going on fishing expeditions in order to prey on people that find themselves in financial difficulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Self Financial Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is to inform the CFPB. That for the past six months. I have been trying to renew credit with Self financial. Unfortunately, there is a freeze on my consumer credit report. With a company by the name of XXXX XXXX which Is owned by XXXX XXXX. On several occasions for the past six months, I've been trying to get their attention, on this freeze. my XXXX freeze is lifted But XXXX XXXX does not want to approve My application Because of that freeze. I have been communicating with, XXXX and XXXX XXXX, to lift the freeze on my consumer credit report but They been giving me a hard time on freezing my personal information this is a strategy for consumers not to get approve Between XXXX and XXXX XXXX and self-financial is denying credit to the consumer. XXXX XXXX is demanding my personal information when I have mentioned that all my information is with XXXX since XXXX is owned by XXXX XXXX it should not be hard to get my personal information. my understanding is that self-financial does not want to approve me. All because of my credit history This is called discrimination. Which is a violation. I, the consumer and natural person, was denied credit by self-financial when I applied for a credit card. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by self-financial XXXX and XXXX XXXX. due to the response, I received. Self-financial XXXX. And XXXX XXXX. is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Self Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Ive sent in multiple complaints about closed accounts that have not been proven to belong to me. I requested to have the accounts removed but they are still showing and causing me to have negative and or diverse discussions against my credit profile. 
My next step will be filling complaints and requesting to charges for penalties at {$1000.00} per repeated offense through the Supreme Court. 
TransUnion credit reporting agency is still reporting closed accounts with XXXXXXXX XXXX XXXX XXXX  1. ( Closed XX/XX/XXXX 2. ( Closed XX/XX/XXXX 3. ( Closed XX/XX/XXXX 4. ( Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX account also has been requested to be proved or removed with no progress. 

These are four closed accounts and they have not sent any contract with my signature to prove ownership of any accounts.. 

I need theses accounts fully removed from my credit profile with all reporting agencies immediately please. 

They are illegal actions and if these accounts are not removed as requested I will proceed with legal action. 
XXXX, XXXX, and Trans Union.

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 2023-12-06
Company: First Technology Federal Credit Union
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account got hacked. Bank denied access, blocked autopay accounts. It has been over a month and is drastically affecting my health and my life. Had checks bounce to IRS and others. I wasnt notified when all this went on. It took a month to find out my account number was changed. Bank had me change user id and password. It worked once.

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