BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 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 2023-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The accounts were paid off in XXXX of 2023, with Capital One Auto Finance. I had 2 accounts with them, they sent me the titles in XX/XX/2023. So this closed the account, as of XX/XX/2023 they reported late payments and a balance and hasn't fixed the issue. This ha caused me hardship, ruined my credit score that was XXXX and now I'm a XXXX and can not do a HELOC, because my score was affected by Capital One Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I allowed Wells Fargo to change my mortgage and in the process was in the process of selling a parcel and Wells Fargo kept {$28000.00} of the proceeds and put it into interest instead of applying it to the loan as it was described.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: MoneyLion Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX I logged into my moneylion account to find that I had a XXXX balance which was XXXX  seeing as I didn't have a debit card the only info I receive is via the app or email. I contacted supporting filed XXXX disputes for fraudulent charges, was never offered a temporary provison/credit. 

XXXX after speaking with a tax specialist who's former position was in banking fraud/prevention for roughly 30 years I was told I should have been offered the provisional credit to call back which I did. I told the representative that I received no correspondence to the disputes and was never sent an email of confirmation. She replied that it had been sent to the email XXXX, this email was compromised and I did not have access to it which was explained during the initial dispute and I didn't t understand why with fraudulent charges on the account they would send follow up emails to the same email when a secure one was provided. The total amount of the charges were over XXXX dollars I then tried to change the email over the phone following their procedure when the representative said the photo was XXXX  and disconnected the call, XXXX  I woke up to all the disputes closed and not approved which to me hasn't sat right. After some consultation and trying to get in touch with the company only to be hung up on. I then went on the FTC website and filed a complaint with them Referrance # XXXX I then came here to file a complaint as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to address an ongoing issue concerning my credit report, specifically the continued existence of fraudulent accounts despite repeated efforts on my part to rectify the situation. This matter has caused significant distress, and I am seeking your assistance in resolving it promptly. 
Account Information : Creditor XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!!XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!! 

I have previously submitted documentation and dispute letters regarding the fraudulent nature of the mentioned account. Despite my diligent efforts, these fraudulent entries persist on my credit report maintained by your bureau. This situation is both frustrating and alarming, as it not only negatively impacts my creditworthiness but also questions the effectiveness of the credit reporting process. I have also made repeated attempts to escalate this matter through the appropriate channels, but the issue remains unresolved.

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 2023-07-16
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
18 USC 8 describes obligations of the U.S. Coupons are on the list as obligations. Senate Document No 43 73rd Congress pledges to pay FRN in exchange for government obligations. UCC 3-104 also describes coupons as legal tender. I submitted coupons as money orders payable to Discover who refused payment. According to UCC 3-603 failure to accept payment means discharge of debt. Even though they acknowledge the law regarding credit balances on their statement under credit balances where it states any positive balance is money owed to the customer, ( 15 USC 1666 D ) they closed my account because they claimed I owed them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
HISTORY OF COMPLAINT - ON XX/XX/2023 I MAILED A PROMISSORY NOTE TOO XXXX XXXX XXXX XXXX XXXX XXXX TRUIST BANK. ATTENTION CFO XXXX XXXX BY U.S. POSTAL MAIL RETURN SIGNATURE PROCESS. THE PROMISSORY NOTE ARRIVED ON THE XXXX OF XX/XX/XXXX  AND WAS SIGNED. THE CONTRACT IS NOW OPERATIVE AS OF XX/XX/XXXX. XXXX  TRUIST BANK IS HOLDER IN DUE COURSE OVER THE NOTE. I HAD ASK THAT TRUIST BANK ACCREDIT MY BUSINESS ACCOUNT, BECAUSE MY BUSINESS NEEDED THESE FUNDS FOR MASS MARKETING, HIRING OF KEY EMPLOYEES, TRANSPORTATION. FIRST TRUIST BANKS HAD TWO EMPLOYEES SAY THEY NEVER RECEIVED THE PROMISSORY NOTE ALTHOUGH A TRUIST EMPLOYEE SIGNED FOR IT. THEN THEY HAD SEINOR VICE PRESIDENT XXXX XXXX OVER BUSINESS BANKING AT XXXX MADE ME BELIEVE THEY WHERE GOING TO ALLOW ME TO TAKE OUT A LOAN FOR THE AMOUNT OF THE PROMISSORY NOTE. THEN TRUIST BANK TURNED AROUND AND CLOSED MY BUSINESS ACCOUNT AND PERSONAL CHECKING ACCOUNT PERMENTLY ACCORDING TO THE LETTER THEY SENT OUT ON ABOUT XXXX XXXX. THEN ON ABOUT XX/XX/2023 SENT OUT A LETTER FOR {$440.00} FOR UNPAID CHARGE-OFFS. 
LEGAL MEMO- THIS PROMISSORY NOTE WAS PRESENTED AS A DEMAND DEPOSIT IN CONTRACT FORM TO TRUIST BANK AS AN EXCHANGEABLE ASSET TRUIST BANK ACTING AS PAYOR IN THE TRANSACTION. 
THIS PROMISSORY AGREEMENT TENDER LAWFULLY BY XXXX XXXX XXXX XXXX MANAGING PARTNER OF XXXX XXXX XXXX. ORIGINATOR OF THE FIRST PAYMENT ORDER IN THIS FUND, SHALL BE EVIDENCE AS A ASSET TO TRUIST BANK. ( UNIFORM COMMERCIAL CODE>3-108. PAYABLE ON DEMAND AT A DEFINITE TIME. 
BANKS ARE REQUIRED TO ADHERE TO GENERALLY ACCEPTED ACCOUNTING PRINCIPLES PURSUANT TO TITLE 12 CODE OF FEDERAL REGULATION 621.2 ( A ) ( 9 ) GAAP FOLLOWS AN ACCOUNTING CONVENTION THAT LIES AT THE HEART OF THE DOUBLE ENTRY BOOKEEPING SYSTEM, CALLED TH MATCHING PRINCIPLES. THIS PRINCIPLES WORKS AS FOLLOW, WHEN A FINANCIAL INSTITUTION ACCEPTS A PROMISSORY NOTE, DRAFT OR ANY OTHER SIMILIAR INSTRUMENT FROM CUSTOMER AND DEPOSITS OR RECORDS THE INSTRUMENTS AS A ASSET IT MUST RECORD OFFSETTING LIABILITIES WHICH REPRESENTS THE AMOUNTS THAT THE BANK OWES THE CUSTOMERS FUNDS ACCEPTED FROM CUSTOMERS. 
THE PROMISSORY NOTE ARTICLE # XXXX XXXX XXXX XXXX XXXX THE SIGNATURE CARD TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX TRUIST BANK SHOULD HAVE TO SEND ME A CASHIER CHECK FOR XXXX XXXX THE AMOUNT OF THE PROMISSORY NOTE THEY LOST. LEGAL NOTE- UNIFORM COMMERCIAL CODE 4-103 SUBSECTION 5 : THE MEASURE OF DAMAGES WHICH OCCUR DUE TO A BANKS FAILURE TO EXERCISE ORDINARY CARE IN HANDLING AN ITEM, MAY RESULT IN OTHER DAMAGES SUFFERED BY THE PARTY AS CONSEQUENCE

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 2022-11-16
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a credit card with XXXX XXXX XXXX XXXX opened XX/XX/XXXX it was Charged off XX/XX/XXXX. I was in prison. I got out XX/XX/XXXX. Immediately went to fixing my credit. I contacted company who was listing it as " cllosed, {$140.00} written off ''. I made an agreemente with them that i woulld pay it off immediatelly if they agreed to reflect. the acccount being paid, closed, and no balance when cllosed. In XX/XX/XXXX I paid {$140.00} on the XXXX of XX/XX/XXXX. It was Reflected as " paid, closed, {$140.00} written off. They refused to removed hte {$140.00} written off. This shouldl be removed since it was paid in full. that is problem XXXX problem XXXX The account which was cllosed on XXXX as XXXX  out of nowwhere XXXX reporting again and in XXXX XXXX of XXXX it reflected XXXX months of XXXX  .. ruining my credit at a time i was taking a XXXX  loan. I have been sending lletters to them ( XXXX XXXX XXXX. i have spoke to agents who say they can not do anything. and experien I have disputed it with 6 times. each time the agent saying i was right, and they will fix it. 6 month back and forth they are no fixing anything .neither companies. I missed an entire semester of school because i was not elegible for a laon that i was elegibble the day before XXXX  score dropped. I begged and pleaded and no one could help HOW IS IT THAT A CLOSED ACCOUNT STRANGELY RE OPENS. WHATEVER GLITCH IT XXXX IS THERE PROBLEM TO FIX YET XXXX THE ONE WHO IS BEING HURT BY IT FOR 6 MONTHS NOW ... XXXX GON NA MISS ANOHTHER SEMESTER OF XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY HARD WORK UP. BUT NO O XXXX WANTS TOO. i HAVE PAID EXPERIAN XXXX DOLLARS A MONTH TO BE BILLLED FOR SOME XXXX. THANK XXXX ... I WILLL NEVER AGAIN USE EXPERIAN. tHEY ARE CROOKS WHO DONT CARE. XXXX XXXX A fair sollution would be to remove it completely from my report. Its about XXXX XXXX XXXX. but the main reason is for hte last 6 months i have record of contact them and begging them ... ..begging! to fix it the report. when it snowed, i 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 .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I just want to get treated fairly. this is is unnacepetable every one can see its a mistake. 

i attached documnets shows when they closed, when i paid, the amount, the balance, the amount and what i paid. i will also attach the report that is hurtin my credit sooo bad

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have filed over XXXX reports to the CFPB against transunion & XXXX 's inaccurate reporting already. They are not removing fraud on my credit report and need to be ordered to remove it without an investigation. 

They are wrongfully verifying the fraud as accurate and not providing details on how it could be.

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 2023-05-10
Company: ALLY FINANCIAL INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 I received a transfer through XXXX from my dad for {$1000.00} and another on XX/XX/23 to use as a deposit on an apartment. These are immediately available funds. I then proceeded to make a transfer of {$2000.00} to the owner of the apartment as the deposit. The transfer was unable to be processed and the app informed me to call the bank ( Ally Bank ). I called, and they said the transfer could not be verified. I spent nearly XXXX hours on the phone with them across multiple phone calls on XX/XX/23 trying to get my information verified. During one of those calls, the customer service representative hung up on me because he didnt think he was speaking to the account holder ( his words ). I was then fully locked out of my online banking account. Upon calling back on XX/XX/23 I was informed that they had frozen both my accounts, so I would be unable to use my debit card or receive any funds or use the account in any capacity. I was even told that I would not be able to verify my information via email, even though that is already a verified method of communication and has not changed in years. They then said there was nothing else they could do and the issue would be escalated to Loss Prevention. 

I had not heard from Ally since then, so this afternoon at XXXX I called them again. I spoke with a customer service representative who transferred me to a loss prevention representative. That loss prevention representative stated that he would disconnect the call and call me at my contact number on file ( this was confirmed during the course of the call ). He disconnected the call, I waited 5 minutes and did not receive a call. I then called the bank again and spoke with both customer service and loss prevention again. I was informed that they had no record of me speaking with loss prevention today and that there is nothing further that can be done until loss prevention can verify my phone number. 

Every time I have called the bank, I have used this number and it functions fully. My phone number was changed with the phone company on XX/XX/XXXX  and shortly thereafter I updated it with Ally Bank online and seemed to have no issues until XX/XX/. 

I requested that my account be closed and was told that they can not do that either until my phone number has been verified so they can properly identify me. This is now the 5th day of this issue ongoing and I need access to my account, funds, and livelihood and the bank is doing nothing to progress this to 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 non-monetary relief
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: GA
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 hope this letter finds you well. I am writing to express my deep concern and frustration regarding the persistent presence of fraudulent items on my credit report despite numerous attempts to have them removed.

I first became aware of the fraudulent items on my credit report. Since then, I have diligently followed the necessary procedures to dispute these inaccuracies. I have submitted detailed explanations, supporting documentation, and any other required information as part of my attempts to rectify the situation.

Regrettably, my efforts have been met with continuous resistance, and the fraudulent items remain on my credit report. This situation is not only compromising my financial well-being but also causing considerable stress and anxiety.

I understand the importance of maintaining accurate credit reports to ensure the integrity of financial transactions and decisions. The fraudulent items in question pose a significant threat to my creditworthiness and financial stability, and I can not overstate the urgency of their removal.

I kindly request that you conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I am seeking clarification on the reasons for the repeated failures to address this issue adequately.

I understand that resolving cases of fraud can be complex, but the persistent nature of this problem is deeply concerning. I trust that you will treat this matter with the urgency and seriousness it requires, ensuring a prompt and comprehensive resolution.

If this matter is not addressed to my satisfaction withinthe exact timeframe from the date of this letter, I may be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO 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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
on XX/XX/XXXX consumer stated that mortgage with XXXX XXXX XXXX mortgage was transferred and is still reporting open my consumer report there is also a delinquent status being reported to which XXXX XXXX no longer has servicing rights not has any right to report on my credit report this loan was transferred/sold to another services therefore this account should be reporting as closed on XX/XX/XXXX wells fargo responded stating. We incorrectly reported the account as delinquent in XX/XX/XXXX. We have sent an update to the reporting agencies to show the account was service transferred with a {$0.00} balance for the XX/XX/XXXX reporting. The servicing of the account was transferred to XXXX XXXX on XX/XX/XXXX. I'm glad we spoke about your concerns. I appreciate the opportunity to help you, and I've attached a copy of our response letter. 

as of XX/XX/XXXX original concern of incorrect information has not been updated but re-reported as 30 days past due/delinquent when on XX/XX/XXXX wells fargo stated that they would remove and fix current information. upon further investigation wells fargo has also reported further inaccurate and incomplete information

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
ive contacted the following companies ' XXXX, Transunion, and XXXX, about my credit profile having wrong names listed as well as the wrong address on file.to no avial i have yet to get any help updating these issues. also to alert companies about fraudulent activites.

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 2023-05-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Carrington mortgage company defrauded us in terms of the covid forbearance modification in which we given by not modifying loan but instead taking XXXX and putting a lein on our house and now not taking payments and stating we are in foreclosure.

Company response to consumer: Closed with explanation