BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-13
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I got a US BankReliacard.com in the email that I did not ask for, nor do I want. 
I am not unemployed. 
I tried calling the various numbers on the paper and went to the website for the card, but the only option was to activate the card, ie there was not an option to talk to a live person. 

On XX/XX/XXXX my companies HR department informed me that my SSN might have been compromised as they had received and unemployment form for me - thus they have given me the need steps I am taking. 

This card arrived in XXXX mail on XX/XX/XXXX - so assume it is part of the entire fraudulent activity. 

Thanks for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2021-06-28
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On two different occasions I sent letters to XXXX about my inquiries. I have not received a response from XXXX. I have a copy of the certified letter card. I am a federal protected consumer and I know my rights. 15 usc 1681 m..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 express my deep concern and frustration regarding the numerous unsuccessful attempts I have made to rectify the inaccuracies in my credit report, specifically in relation to a late open account. Despite my continuous efforts to correct this issue, my credit report remains inaccurate and negatively impacts my financial well-being. 

The specific issue I have been trying to address is as follows : There is a late open account listed on my credit report that inaccurately reflects my credit history. This error is severely affecting my credit score and causing financial difficulties.

I have made several attempts to dispute this inaccuracy by following the procedures outlined in the Fair Credit Reporting Act ( FCRA ). Each time, I have provided clear explanations and submitted supporting evidence to substantiate my claim. 

Unfortunately, my efforts have not yielded the desired results, and I continue to encounter the following issues : My previous dispute letters and supporting documents have not received a timely response, leaving me in the dark about the status of my dispute. 

The delay in addressing this inaccuracy has caused financial hardships and has adversely affected my ability to access credit and financial opportunities.

The presence of this inaccuracy continues to harm my credit score, making it challenging to secure fair lending terms and credit opportunities.

I understand the critical importance of accurate credit reporting for both consumers and creditors and am fully committed to working with your credit bureau to ensure the correctness of my credit profile. However, the lack of responsiveness and efficiency in addressing my concerns has left me feeling frustrated and powerless. 

I kindly request that you conduct a thorough investigation into this specific inaccuracy, rectify it promptly, and provide me with timely updates on the status of my dispute, as mandated by the FCRA. 
Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts, providing evidence of my earnest attempts to rectify this inaccuracy. I am asking for your assistance to correct the said late open account in 3 credit bureaus : XXXX XXXX XXXX Balance Owed : {$700.00}.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
whom it XXXX Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, {$1100.00} Account Name : XXXXXXXX XXXX Account # XXXX PAST DUE BALANCE OF {$1100.00} ( Account in Collection/Charge off please delete ) Date open : TransUnion is XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, and XXXX show XX/XX/XXXX High Credit : TransUnion is reporting {$1100.00} and XXXX XXXX XXXX, and XXXX show {$1100.00} Lasted Reported : TransUnion is reporting XX/XX/XXXX. XXXX XXXX XX/XX/XXXX and XXXX show XX/XX/XXXX Date of Last Active : TransUnion XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX show XX/XX/XXXX Past dues balance, Date open, High Credit Lasted Reported, and Date of Last Active all show inaccurate on this account accordance to XXXX XXXX Guidelines it MUST be delete. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail.

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 2021-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The following credit card that was opened at Capital One Bank with my personal information, is a fraudulent credit card account : XXXX. I never applied for the Capital One Bank Credit Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filed a complaint about discrimination my husband and I faced while trying to get a mortgage loan through JPMCB. The company responded and did not address that the employee has said anything discriminatory, and said that they do not offer any products for credit scores under 620. The website, multiple forums, and the FHA requirements are XXXX, and JPMCB advertises FHA loans for credit scores that wouldn't qualify for a conventional loan ( XXXX ) so how is it that JPMCB both facilitates FHA loans but doesn't facilitate the credit score? Furthermore, disparate impact is illegal and a violation of HUD Fair Lending law. If you service FHA, you service people with credit scores under 620. You also can not legally say that you don't take any public assistance programs for down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon review of my credit report per a recent credit denial, I noticed several unauthorized inquiries that were showing on my Equifax credit profile. As such, I am hereby demanding for the following offending unauthorized inquiries listed below to be immediately deleted from my credit report : XXXX. XXXX XX/XX/22 XXXX. XXXX XX/XX/22 XXXX. XXXX XX/XX/22 Please remove this offending unauthorized inquires from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

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 A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

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 2021-01-13
Company: Experian Information Solutions Inc.
State: ND
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:
1. The name on my credit report currently shows as XXXX XXXX XXXX and it should show XXXX XXXX XXXX XXXX 2. My current address on my credit report shows as XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX and it needs to show as XXXX XXXX XXXX XXXX, XXXX XXXX, ND XXXX which is my current address. I have tried changing this information with Experian and they have been non cooperative

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 2023-06-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had filed the below complaint earlier today ... which was forwarded to Wells Fargo. A Wells Fargo representative called me this afternoon, and i mentioned i forgot to include the original letter i received from Wells Fargo Mortgage on the " Account Adjustment for overpaid interest during Covid-19 Deferral '' on my mortgage ending XXXX. The Wells Fargo employee suggested i do a new complaint and include the form and this will be forwarded to him. The employee is XXXX ( phone XXXX ). So in this submission i have listed the original complaint and uploaded the original letter from Wells Fargo Mortgage... stating that an interest rate change occurred during forbearance period resulting in overpaid interest during Covid 19 deferral. My complaint below is this overpayment of interest should also apply for my other mortgage loan ( LXXXX XXXX XXXX XXXX ) which was under Covid 19 Deferral for the same period..only difference i paid off this loan in XX/XX/2020. Here is the previous note i sent to CFPB : " I had two Mortgages with Wells Fargo Bank. The first Mortgage ( XXXX # : XXXX ) with a principal balance of {$720000.00} was paid off on XX/XX/2020. The 2nd Mortgage ( Loan # : XXXX ) with a balance of ~ {$280000.00} is still active. During the Covid period in 2020, i took Covid-19 Deferral for both mortgages for the exact same period ( due to Covid Deferral my mortgage payments were deferred ). In 2020 i received a letter from Wells Fargo saying on my mortgage that is still active ( Loan # : XXXX ) Wells Fargo Overcharged me for Deferred Interest ( something to do with interest rate change occurrence ) and gave me a refund/interest rate adjustment of {$3900.00} and a check for {$370.00} for a total of {$4300.00}. I then contacted Wells Fargo and said this interest rate change occurrence also applied to the other mortgage which i paid off in ( Loan # XXXX ). This loan had a principal balance of {$720000.00} and then Wells Fargo made me pay {$740000.00} or + {$15000.00} due to interest and " other charges ''. I believe this includes Deferred interest due to Covid 19, and this interest calculation is incorrect ( made the same mistake as my current loan ). I wrote to Wells Fargo 3 times on this, and they have not responded. Since the mortgage is paid off they do not want to open a can of worms because if this mistake applies to all loans with Covid 19 Deferral that were paid off Wells Fargo will have a big liability on their hands. I would greatly appreciate your assistance in looking into the interest calculation for both loans ... and check if the mistake made on the loan where they gave me a refund applies to the larger loan. The dollars are very material for me. Thank you ''

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 2021-03-07
Company: Pangea Universal Holdings, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Sir I am COMPLETELY AT A LOSS TO INFORM THAT .It appears Pangea account has been hacked and my personal information such as my phone number and bank account details have been stolen. 
I called their office immediately on XXXX XXXX by phone after getting alerts from my bank and informed Mr.Carlos that four unauthorized /fraudulent attempts were made to withdraw {$450.00} from two of my bank accounts registered with Pangea to transfer money fraudulently to 1 ) XXXX XXXX and 2 ) XXXX in XXXX .I had never registered these recipients with Pangea and this hacking has completely shaken us which is going to serve as a deterrent to deal with Pangea in future .. 
So far a total of 3 debit entries of {$490.00} are showing in the bank accounts ( with XXXX XXXX XXXX  of New Jersey ) and I am awaiting reversal action from Pangea as my repeated request to the company has not yielded any response & they are also not responding to the call made by the bank officials. from the respective bank to secure refund of the unauthorized withdrawals. 

Kindly look into and advise how to get our money back and what steps Pangea has taken to ensure it does not happen again and valued and loyal customers like me do not suffer a loss and such a harassment again. I also spoke to their supervisor Manager XXXX and XXXX separately but have not been able to get a redressal of my complaint. He simply kept repeating follow up with your bank. 
I have documentary evidence from Pangea clearly stating that these transactions have been cancelled but still they have not sent the refund to my bank. 
Please acknowledge and initiate a prompt remedial action in the matter XXXX XXXX Realtor, Broker Associate XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) Number XXXX Cell ; 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 explanation
Consumer complaint received 2023-10-26
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am writing to file a complaint against Truist Bank for the mishandling of my business account, personal account, and savings account. In XXXX, I received two wire transfers totaling {$19000.00} to my business account at Truist Bank. However, in XXXX, all my accounts were suddenly frozen due to a corporate investigation that I was initially told would only take 90 days to complete. It has now been seven months, and all my accounts remain frozen, including funds that were not related to the corporate investigation. 

I have made numerous attempts to resolve this issue by visiting the bank branch over 20 times, calling customer service more than 20 times, and sending multiple emails. Each time, I have been given the same response : that the freeze is due to a corporate investigation. However, I have not been provided with any further information or updates on the status of the investigation. Additionally, I was never notified by any form of correspondence from Truist Bank about the freezing of my accounts and the reasons behind it. 

As a result of the frozen accounts, I have had to dip into my savings to cover living expenses, and I feel misled by the bank representatives. This situation has caused significant financial hardship and stress for me and my business. 

I kindly request the Consumer Financial Protection Bureau to intervene and help resolve this issue. I would like the bank to provide a clear explanation for the continued freeze on my accounts, an update on the status of the corporate investigation, and a timeline for when my accounts will be unfrozen. Additionally, I would like to be compensated for the financial losses and inconvenience caused by this situation. 

Thank you for your attention to this matter. I look forward to a swift resolution.

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 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account and on top of that, Transunion is reporting an open date of XX/XX/XXXX however XXXX is reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.

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