BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today, XX/XX/2020 I needed to withdraw funds from Wells Fargo in XXXX XXXX, New Jersey. 

All branches in my area are closed other than ATM 's. There is one branch with drive up service available and I was told that I can not use that service as a walk up. I must have a vehicle that would enable me to then step out of said vehicle to do said banking that I was doing just sans vehicle. 

The only two branches are ones not in my area and are accessible again by car that I do not have but would have to hire or via public transportation. Both ways put me at risk and in turn are not safe for a XXXX year old woman to do. I have no family nor support system and must access cash to pay for essentials and do my business as I prefer that to using a card. The Covid virus has a very short life on paper and in turn I can just leave change for tips and the rest and reduce fraud with my card being listed on numerous sites, etc. 

Why I can not walk up and have a dedicated lane for pedestrians is beyond my understanding as if I was in a car and saw a person standing there why would I drive into them? How absurd and how disturbing that I can not get my money handled without having to get a car to do so. So I have to buy a car to do banking.. if you think I would let a taxi driver or hire car take me a single old lady to do my banking with cash you have got to be kidding me. 

I have the right to access my funds and distributed to me in the denominations I need and not have to go out of my way to do so and in turn put myself at risk.

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 2023-10-31
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 15 USC 1681.

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 2022-11-30
Company: Experian Information Solutions 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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$3000.00} XXXX XXXX XXXXXXXX {$570.00} XXXXXXXX XXXX XXXXXXXX {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2020-04-09
Company: CL Holdings LLC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Had identity theft in XX/XX/2017. Reported to police. Thief caught and charged. 
Now, 3 years later, I'm getting debt collection on one of the illegally opened fraudulent accounts. The amount is {$590.00}. 
The original company was XXXX XXXX XXXX XXXX, the debt collector is 'Jefferson Capital Systems ' . 
I recall speaking to XXXX, asked them to send me evidence and i.d . of credit applicant and to cease and desist. I did not receive any legal identity documents/furnishings, but it was taken off my credit report. 
Now, years later they are sending me collection notices, without any proof of my i.d . 
I had and still have a fraud alert active, and one caveat is that they need to call my personal phone for any credit applications. Which, clearly, they did not, but still approval the fraudulent application. 
Between myself and the authorities, we quelled 38 such credit applications. 
Now this one has appeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions 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:
This is the several times I've complained about being a victim of identity theft. Experian, XXXX, and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018

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 2022-10-17
Company: Experian Information Solutions Inc.
State: MD
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the XXXX credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX PL XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$5100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Ive Reached out Several times to Transunion and XXXXWith supporting documents Certified Mailand no resultsI Six Bankruptcies showing on Both Credit Reports that are not Mine..everything is inaccurateand I would like for them to stop reporting that 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 non-monetary relief
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is XXXX XXXX submitting yet another CFPB complaint to follow up on my request to the Credit Bureau to properly investigate and remove the disputed items from my Credit Report. The XXXX XXXX XXXX continued to report these items but I did not receive any proof of verification or any document for them to claim that the items are investigated and mine. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I am a victim of identity theft. The credit bureau must delete these items in line with FCRA Section 605b. I am urging the Credit Bureau to please CONDUCT ANOTHER INVESTIGATION AND DELETE THESE UNKNOWN ITEMS LISTED : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX LA XXXX CNT Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX OF XXXX XX/XX/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 2023-12-14
Company: EQUIFAX, INC.
State: NC
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 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a stellar credit report for 30 years but recently my open debt mounted. Suddenly XXXX XXXX and other credit cards cancelled credit card accounts that were in some cases 30 years old and were not delinquent. My complaint is that I paid off these debts as soon as I could and in complete within a month or two of these cards closure. Now they show as settled accounts. But settled accounts implies I paid less than what I owed or I used an agency to negotiate on my behalf. I actually have always paid my debts in full. I do not want any credit agency to reflect that I do not pay my debt and I want to correct the record. I am an upstanding citizen and my wife and I are XXXX. Please help correct 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 non-monetary relief
Consumer complaint received 2021-05-21
Company: Experian Information Solutions Inc.
State: TX
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:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. 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 2019-10-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My wife was on a business trip that I accompanied her on to Northern Ca. We stayed the night before in XXXX XXXX, Ca., in one room and used our Citi Card. We made reservations the next night online for the XXXX XXXX, when we arrived, we were given only one choice of an upstairs room that was available, difficult being a senior and lugging suitcases, but we took the room, enjoyed 1 night there and check out in the morning. We've called the Hotel to dispute and they have a booking service that made duplicate reservations. As you can see one of them is the wrong spelling of our name. Regardless, we checked into and used 1 room, it's obvious we wouldn't have needed 3 rooms and if we had 3, why weren't we given options on check in? I've taken this up with CIti and they are absolutely no help, they just send an inquiry and then charge you. 

This is the second time I've had an issue with Citi Card on a fraudulent charge, last time they did not remove the charge and now it's happening again. Long time card holder, excellent credit score, Veteran and would appreciate any help with this.

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXXXXXX Account Number XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions. 

CFPB has already investigated and results were to be removed off XXXX XXXX my credit report however its is still showing on XXXX XXXX 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 2021-03-08
Company: Flagstar Bank, N.A.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Last year I requested a hardship and was approved by Flagstar Bank in XXXX of XXXX for a HAMP Standalone Modification Plan ( Trial Plan ). I had initially missed a couple of payments. I submitted documentation to get assistance from the bank to help me. Once the plan was in place I did NOT miss any other payments. All items are attached of the agreement. 

The agreement was to start the first payment on XX/XX/XXXX in the amount of {$1200.00} for three months and then after successful completion of the trial plan i was to receive a confirmation that the plan was PERMANENTLY MODIFIED. I signed and agreed to this with the bank. I have attached all the documents. I paid XXXX, XXXX and XXXX as noted in the amount of {$1200.00} I did not break the agreement. I was not late on any trial plan payment. And then on Friday XX/XX/XXXX I received a call from the Bank, after many transfer I was connected with a representative named XXXX who then informed me that I was on a Forbearance and wanted to know when i was going to make payments, and then he said he could not find my SPOC who called me and then he told me that the reason for the call was that the bank needed me to agree to a modification of a new payment in the amount of XXXX. I reminded and educated him on the current modification plan that i was on and that i had met that agreement and i was not sure of what was going on. He then proceeded to say something to the case of the bank missed a review of the account, the escrow went up and they missed that etc. He then said that they needed to know if i was agreeable to the new identified payment. I told him NO and that i did not feel comfortable with this call and nothing in writing and that i was waiting on the bank to send the final documents as agreed that needed to be notarized for my permanent modification plan. He told me that there may be other options and other community services that i could reach out to. The conversation in which I am sure has been recorded can be located by the bank. Also what is noted are the multiple calls that I personally made to the bank since last fall to get this account straight and to ensure that I met their agreement. All of this should be located in my file. 
I signed and sent back the forms to Flagstar Bank on XX/XX/XXXX. I met the agreement as noted in writing from them. And I feel that they have tired to go back on the signed agreement which will cause me more heartache and problems. They offered no help but instead pressured me to agree to the new plan over the phone. Which I declined and I informed them that I was calling to file a complaint. 
My entire case needs to be reviewed. I am not sure of why they would want to change after I made all my payments for the trial on time. I did exactly what they told me to do.

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 2023-07-12
Company: Resurgent Capital Services L.P.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
LVNV Funding This account was not late. How can this account be reporting XXXX days late in XX/XX/XXXX if XX/XX/XXXX and XX/XX/XXXX are both reported on time? 
How can this account be reporting XXXX days late in XX/XX/XXXX if XX/XX/XXXX is reporting XXXX late? That would make XXXX  XXXX days late. 
This account was not late. How can this account be reporting XXXX  days late in XX/XX/XXXX if XX/XX/XXXX and XX/XX/XXXX are both reported on time?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from 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 non-monetary relief
Consumer complaint received 2021-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Happy Saturday and hope you're safe and sound during covid/pandemic ; God Vacinated yet? Listen, I was shocked when I reviewed my credit report today and found late payment on 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine. Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the 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