BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2022-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Although I do have accounts with the following companies, I do not recall the credit inquiries performed on the following dates XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/2022, XX/XX/2022. Capital One XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: OH
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 OTHER 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 items 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$22.00} ; XXXXXXXX XXXX XXXX Balance : {$5.00} ; XXXXXXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-16
Company: Berlin-Wheeler, Inc. (Kansas)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Consumer Finance, On my 3 credit reports there is an unpaid collection account for {$240.00} by Berlin-Wheeler , Inc.. This was paid on XX/XX/2022 and attached you will have the receipt- they agreed for a " pay to delete '' and it was to be deleted from all 3 credit bureaus.

I have contacted Berlin-Wheeler, Inc. as well as the original creditor, XXXX XXXX XXXX and the 3 credit bureaus since then, with documented proof, it has been paid, and to delete as that was the agreement. The collection agency blames the 3 credit bureaus, the 3 credit bureaus blame the collection agency, and I want this to be reflected as paid and deleted - I have requested this for going on 90 days to be fixed.

In addition, the same companies, put on a duplicate collection, as unpaid, then moved to paid, and then removed - as we agreed - yet this one remains! Its a simple fix - simply remove as it was a duplicate and should not be there- we agreed to a pay to delete and that needs to be done.

I am beyond frustrated as this is damaging my credit. I have paid the collection, provided proof, and it should reflect accuretly on my credit reports.

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The 3 major credit bureaus are reporting unvalidated information 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 2023-03-25
Company: GOLDMAN SACHS BANK USA
State: NC
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:
Victim of identity fraud need account removed from credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took a conventional 30 year loan from XXXX XXXX in XX/XX/2020. This loan included an escrow for property taxes, home insurance and HOA fees. There was no lock in period for the escrow. 

In the next few months, the mortgage was transferred to Wells Fargo. It was conveyed to me that all terms of original loan were to remain the same, as is the norm. 

Two weeks ago I contacted Wells Fargo to close my escrow as I want to take care of these payments myself. 

Initially, I was told the process would happen and I would receive a check from Wells Fargo for the escrow amount collected. 

Instead, I have now received a letter from Wells Fargo that my escrow can not be closed for a a period of 24 months. 

I have contacted Wells Fargo numerous times. Till now, they have been unable to provide me with a single document that shows my acceptance of a 24 month lock in for escrow, or for any time whatsoever. 

This case is now escalated to their Executive Complaints team. The Case number is XXXX. 

At this point, Wells Fargo is " researching '' the issue. 

I am attaching a copy of my original closing documents with XXXX XXXX as well as the letter received from Wells Fargo. 

My resolution is simple : Close the escrow and return the amount collected till date. There is no basis for adding a lock in period after the fact, as well as without my consent.

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 2021-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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 had a home loan with Bank of America back in XXXX, my loan was transferred to XXXX in XXXX of XXXX. Bank of America shows closed on XX/XX/XXXX. But over 7 years has pass, and they will not remove from my credit reports. The loan, never was late, I did the make a home affordable plan 2 times. And was approved both times, but I did continue to make my payments. I JUST WANT BANK OF AMERICA OFF MY REPORTS, I HATE THAT 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 2019-10-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Every year I check my credit just to make sure I'm on target with my goals ; well, this year upon having my credit pulled, I discovered several items that are NOT mine and I'd like them removed as soon as possible. I also took the liberty of contacting the police and FTC for your convenience. These are items from removal : XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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: Information belongs to someone else

Complaint:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Truist informed me that there were two merchants that charged checking account. One of them is called " XXXX '' which charged my account 7 times, and the other merchant is called " XXXX '' which charged my account XXXX time. These seems to be related to crypto purchases as both are online places to buy crypto. I have never used these two online sites, and reported as unauthorized when I found out over a month ago on XXXX the XXXX. 

Truist gave me provisional credit for these 8 total charges last week. Today they informed me that 3 of these transactions are still being investigated, 4 were finalize credits, and 1 was deemed " authorize ''. I would like to know how can it be authorize, while the other 4 that were not deem authorize from the same merchant were not deemed " authorize ''. 

I ask truist to look better into this matter, as these are fraudulent transactions which I never made and the amount I had was essentially all of my life savings. Additionally, I have also reported this to the police and FBI which you can find attached the reports.

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 2022-11-26
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A-section2 also states that 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 2022-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 was contacted by Bank Of America 's fraud department that there were a series of transactions ( 3 ) that were suspicious. I was contacted very early in the morning and at that time, I stated that I did not make those charges ; however, I was not aware at that time and found out later that someone had broken into my car and stole my briefcase with the card inside. Since more than 60 days had gone by without being asked for additional information, I thought since Reg E gave the financial institution a limited time to investigate and respond that the claim had been finalized. Except that I got a call from BofA 60 days after and the agent said that since I had stated initially that I did have the card in my possession, the claim was going to be declined as the chip was present. But before I could explain to the agent, that I had later found out that someone had broken into my car, the call was conveniently disconnected. I immediately called back and after XXXX15 mins on hold, I was told that my claim was going to be declined anyway. The fraudulent transactions as expected was a gas station charge and XXXX XXXX XXXX XXXX both for {$95.00}. The subsequent transaction at XXXX was declined by BofA. The presentative to whom I was finally able to talk to said I should have filed a police report. I said I would have if that was a requirement and she said, " no but I always suggest people to do that ''. 

For the rest of the public that sees this complaint, this is not the first time that I filed a dispute and then was declined. Bank of America has a " practice '' of making it literally impossible to provide information they request during their investigation. This is done by making it impossible to call back and get a hold of someone by placing you on hold for hours or by the representatives in their fraud dept. that leave you a message to call them back, do not answer and their voice mail boxes are full so you are not able to provide the information they are requesting to aid your claim and, therefore, you then get denied by claiming you didn't provide the information requested. This Practice fits a pattern of being Deceptive, Abusive and discriminatory at every level

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 2020-05-27
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have filed a dispute with equifax for incorrect collections on my name. I can not seen to get a answer for my results. I have had no luck contacting them on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: WI
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:
Informed them that I have been the victim of fraud. They tell me to contact the people who inquired directly to find out why they pulled my credit, which makes no sense. I told them that after being informed that this is fraud, they are supposed to help me according to all the FCRPA and other consumer laws. I have called numerous times and spoken with many people, they all are giving me the run around and don't know how serious this is. I am asking them to remove all the fraudulent information ( inquiries ) as by the FCRA and that is to remove all incorrect, unauthorized and unverified. from my reports. My bank accounts have been hacked and someone is getting credit cards in my name, and I need help removing these fraudulent inquiries as I continue to try to protect my credit.

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 2022-12-29
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Rocket Mortgage ( is the second party in complaint XXXX ) And XXXX XXXX XXXX XXXX ( XXXX ) different inquiries for ( XXXX ) different loan amountsXXXX XXXX XXXX XXXX XXXX XXXX for {$200000.00}. Rocket Mortgage LLC loan # XXXX {$200000.00}. With the " facts '' stated. And I even gave XXXX " an opportunity to cure still didn't want to hear it. The inquiry on my consumer report is evidence that XXXX received the money as a credit. The estate name is on the application. The trust is in the natural persons name, evidencing who is the beneficiary of that said trust. Im the beneficial owner of that traded security account. My natural name registered, via copies of IRS form XXXX as Power of attorney and Form XXXX to make any claims on the estate. As beneficiary I would like the security interest value of the asset released immediately 15USC1615. Send certified cashiers check in the amount of {$200000.00} with in 10 business days to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reported this XXXX XXXX company for several months, Equifax keeps sending this back as verified with no proof, the balance is wrong I reported account as identity theft and fraud because charges was made without my authorization when I was out the country and Equifax didn't investigate the account correctly, if they would have they would have seen that the XXXX bank disputes was for the same account, not to different accounts and amounts. I have sent identity theft and police report already

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09
Company: Agency of Credit Control
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Mr. XXXX XXXX telephoned me on Friday, XX/XX/XXXX at three locations, work, my mobile and my husbands mobile number within a 30 minute time frame ( Note having never previously received any mail regular or certified mail ). Mr. XXXX left me a voice mail at my place of employment at XXXX asking me to contact him at my earliest convenience and continued to call me until I returned his call. ( at total of 8 times ). Upon our 2nd call he advised me that I owed money for services to a medical doctor that had I filed a DORA complaint for malpractice to my XXXX that I've now got damage to my XXXX which he's lost his medical license ( not related to this incident ). My complaint is that Mr. XXXX has advised me my medical debt is going to be placed on my husband 's credit. He was hateful, demanding and unprofessional. I asked for payments and his snide unprofessional comment was " We aren't going to accept {$10.00} a month '' I asked for a settlement even though I don't feel services were rendered for a doctor who caused damage to my XXXX and Mr. XXXX said get a lawyer and sue the doctor. Services were rendered at the time. Mr. XXXX is ready to serve me with a lawsuit and I'm fearful and now having serve anxiety of my husbands credit being ruined. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AMEX XX/XX/XXXX, XX/XX/XXXX add a hard inquiries on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I removed my pension from XXXX due to identity theft. I deposited the funds into a newly open account with 5/3rd. It was put mainly in a savings account. My husband has XXXX  and XXXX XXXXXXXX XXXX. I agreed to use my savings to remodel the basement for him. 5/3rd has put a hold on all my accounts and will not allow me access to the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I never worked at XXXX I have VA XXXX I have never lived on XXXX XXXX. 
I worked at XXXX for four months in XXXX XXXX. 
Im paying on all my collections and have been for almost a year. 
I started working at XXXX  XXXX XXXX in XX/XX/XXXX. On the 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