BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-01
Company: WELLS FARGO & COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Wells Fargo Credit Card Account XX/XX/2019 Dear Investigating Officers : In early XXXX I received an email notification that Wells Fargo was offering credit card balance transfers with 0 % interest for 18 months. I have a XXXX credit card with a balance of {$6100.00}. I decided to make the transfer to save money. 
I applied online and was instantly approved for a credit limit of {$5000.00}. I called WF and a customer service agent said to wait until I got the card in the mail in order to ask for a limit increase. I did so, and last week received a declination letter. I immediately cut the card up, called WF and told them to cancel this account and mailed the cut-up back to them.

Yesterday I received the enclosed letter from WF. They have transferred a balance of {$4800.00} WITHOUT MY KNOWLEDGE OR APPROVAL from XXXX to the account with them that I closed. This has broken up one credit card into two credit cards and does not serve any purpose for me other than now having to pay two monthly notes.

I am infuriated by the arrogance of WF. They did not contact me or notify me in any way that they were helping themselves to this amount of money. When I called yesterday a CSR for WF said I would have to contact XXXX about returned the funds. When I did so XXXX said, and it makes sense, that WF simply has to return the funds. 
I have spent the last two days on the phone with Wells Fargo trying to get this reversed. Today I spoke with a lady named XXXX in their executive office. Her English was so horrific that I barely understood what she was saying. Again I kept having disclosures and agreements thrown at me at the time I applied for the card despite the fact that I cancelled this card. She gave me a case number of XXXX, as best I could tell. 
I was aware that WF had been involved in shady dealings over the years, it made national news. But I never fathomed something as desperate as this. 
Finally XXXX deposited the {$4800.00} into my checking account. Today I am sending WF a check in this amount and demanding the account be closed. They are also trying to charge me {$140.00} for a transfer fee and under NO CIRCUMSTANCES will I pay this. 
Your help in this matter is most appreciated. It would seem that further investigations into Wells Fargo should be initiated. 

Thank you 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 monetary relief
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, US DEPT ED Account # : XXXX, XXXX Account # : XXXX, These accounts 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 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items 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 2022-09-28
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:
Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that XXXX XXXX with a reported balance of {$5300.00} be removed from my credit report as I was only a young, oblivious authorized user added to this account. It appears that the primary account holder, my older brother may have added innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when i was younger and did not have credit. 

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, non-financial responsibility authorized user. 
Thus, I am humbly asking that you please remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. 

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 non-monetary relief
Consumer complaint received 2022-04-14
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 dispute this debt to TransUnion that this was business debt that doesnt belong to me personally and that this in ligation. I disputed this to TransUnion on or around XX/XX/XXXX. A business debt that when I work for this company in XXXX. I was a XXXX  of the company not the owner. I noticed it was put on my personal credit report and not their business credit report which should not aloud to be added to mine personally credit report. TransUnion claim that it will stay on my personal credit after they did their investigation.

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 2022-10-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$960.00} XXXX, XXXX XXXX {$10000.00} Account number XXXX Date opened XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$270.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} Account number XXXX Date opened XX/XX/XXXX 2022

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 2023-06-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Below what I sent to the mortgage company Carrington Morgage Services LLC XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX As I learned the details of my account today, I wont call this a dispute but I will appreciate your time to understand the events that unfolded and caused my account to go under balance which caused payment issues with Carrington and eventually affecting my credit score. 
Below key events - From the very beginning I set up with Carrington Mortgages website bi-weekly payments, not only to accelerate payments, but also to have piece of mind due to my high frequency of out of the country flights. 
- You can see by my history that my bi-weekly payments have been executed without issues until XX/XX/XXXX, that I am now learning it had been returned due to insufficient funds in my account. 
- During XX/XX/XXXX and XX/XX/XXXX I suffered from unauthorized charges in the same XXXX XXXX XXXX account I use to pay my mortgage, I submitted the claim to XXXX XXXX XXXX as soon as I realized ( and I was back in the States ), the claim report is attached below, you can see the amount of {$2300.00} which made my account lower than usual and for what I normally prepare for mortgage payment. 
- All this time, the bi-weekly setup have been working without any flags and calls to my attention to highlight the underpaid situation, I do acknowledge that monthly statements have been reflecting it, however the electronic statements can only be accessed by go to the website and no hardcopy is sent ( I do not recall getting any since setting up digital statement ) - Additional attachments is to demonstrate that I was out of the country in early XXXX and I returned on XX/XX/XXXX. 
It is a lesson being learned in a hard way as there is no piece of mind setting up electronic statements nor bi-weekly payment, and as I acknowledge it, I am hoping that you recognize that the number of events that unfolded, created a situation of confusion ( XXXX XXXXXXXX XXXX ) and more importantly it caused me to go underpaid in my mortgage. Not having a proper mechanism to flag it in Carrington website aggravated the whole situation. 
Ill appreciate your consideration on removing the negative flags in my credit history for XXXX and any other month affected onwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-02-09
Company: EQUIFAX, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX XXXX, Account # XXXXXXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX 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.

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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/XXXX, I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as place temporarily remove or update these items from my report during the investigation period. As of this date, you have failed to respond to my request. 

Again, please reinvestigate if the following accounts are inaccurate, incomplete and outdated. 

XXXX XXXX Balance Owed : {$0.00} This only serves to highlight your poor record-keeping skills. Even though it is closed and the amount is {$0.00}, this item is currently said to be 120 days past due. Let 's fix this right away. You must confirm this for yourself, but I will go ahead and point out that this account has been paid, closed, and is no longer active. Its status should have read " PAID. '' Unless you can show proof that you haven't violated my rights by reporting false information, remove it right away. 

XXXX  XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX The following account should be on my credit report, so please provide proof that this is the case and that my rights have not been suspended. If not, kindly remove this destructive info right away. 

The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 

I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you correct or remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws.

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 2021-10-26
Company: MIDFIRST BANK
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/XXXX I closed on my property with XXXX XXXX. On or about XX/XX/XXXX I became severely affected by the coronavirus and had to enter into a 3 month Covid-19 Mortgage Forbearance Agreement. I had extended for a third time in XXXX with XXXX XXXX  that gave me federal protection under the CARES Act for the months of XXXX, XXXX and XXXX. Later in XXXX I receive a letter from XXXX  XXXX  dated XX/XX/XXXX giving Notice of Service Transfer. It confirmed the total balance of my mortgage and read my payments will resume XX/XX/XXXX ( the letter has typo of year XXXX ) please see attached. It also confirmed Midland Mortgage will be my mortgage servicer after XX/XX/XXXX and they will be expecting payment on XX/XX/XXXX. On or about XX/XX/XXXX I setup my account with Midland Mortgage online. Once in my online Midland Mortgage account portal I noticed that that they had my Forbearance ending XX/XX/XXXX and payment required XXXX XXXX. Immediately alarmed by the discrepancy I notified Midland Mortgage and informed them I was a transfer and that my Covid-19 Forbearance plan ended in XXXX of XXXX. The Midland Mortgage representative just refused to acknowledge the facts of the guaranteed federal protection time period I was granted with Movement Mortgage. I got no where with the first Midland Mortgage representative after forty-five minutes on the phone. So on XX/XX/XXXX I reached out to a Movement Mortgage loss mitigation named XXXX who confirmed that my Covid -19 Forbearance was in place from XXXX - XXXX and she acknowledged the typo for my payment start date. She further reminded me that my account was transferred to Midland Mortgage and they know the proper protocol for these matters and advised me to call them, my new mortgage servicer, Midland Mortgage, again. So after hanging up I called Midland Mortgage wasted forty-five minutes on the phone with they loss mitigation ( imposter ) who was " taking notes ''. Finally, he admitted he was not loss mitigation and he cant give me a number but can transfer me to loss mitigation. Finally, I spoke to loss mitigation rep XXXX ID XXXX who actually looked at information for another forty-five minutes and could not provide a answer for the wring dates. I asked how they knew I was on the CARES Act and what documents did they use to determine it ended in XXXX? No answer. I asked who put the information in the computer? No answer. It had to have been put there wrongly deliberately. She said she would research the documents I will have answers at a later date. I told her this impacts my life and family lively-hood and I will be reaching out to consumer advocates for help. I do not understand how Midland Mortgage cant explain how they wrongly got my Covid-19 federal protection ending in XXXX and refuse to fix it.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'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 2023-09-10
Company: CAVALRY INVESTMENTS, LLC
State: PA
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: Investigation took more than 30 days

Complaint:
I sent a letter to the XXXX credit reporting bureaus to investigate XXXX accounts on my credit report that are in collections and that they verify my debt belongs to me with the original contract that I signed with the original creditor and none of them did so within 45 days. I asked that they all be removed from my report if verification with my signature wasnt provided during the timeframe and nothing was deleted. All that happened was the restarted the timeframe to the current date and began trying to collect on the debt. So now I am in a worse place since the timeframe has restarted. I never received letters verifying this debt from a single XXXX of these collection agencies nor have I ever been given an opportunity to dispute that the debt wasnt mine. I never spoke with any one on the phone or in person. I feel as though this has all gone against fair debt collecting rules and I would like them to be deleted from my report completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Southwest Recovery Services, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I cancelled my service and they kept billing me and would not stop. After I had a zero balance. They continued to send false invoices. The last invoice I got was for {$150.00}. Now they are falsifying documents saying I owed {$1100.00}. XXXX XXXX XXXX falsified the amount owed and Southwest Recovery ( collection agency ) would not provide me proof of any contract signed by me to this bogus debt. PLEASE HELP. This is a copy of the email from XXXX XXXX XXXX when they continued to charge me inaccurately. 

Please contact the Collections department regarding your past due invoice. 
Inbox Collections Department XXXX XXXX XXXX XXXX XXXX via XXXX XXXX, XXXX, XXXX, XXXX XXXX  to me View this email in your browser XXXX : XXXX XXXX delivered C # # # # # # # # # # d, This is a friendly reminder that your account with XXXX XXXX XXXX, is past due. XXXX XXXX XXXX provides credit card processing for your business through your relationship with XXXX XXXX XXXX, XXXX. According to our records, your invoice balance of {$150.00} remains unpaid. Additional fees and costs may be due, based on your merchant account activity Please contact the Collections Department at ( XXXX ) XXXX if you believe there is an error in the amount due or if you would like to discuss payment arrangements. Collection representatives are available Monday through Friday, from XXXX XXXX to XXXX XXXX ( XXXX ) to assist you with resolving this matter. 

Payments should be sent to : XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX, MI XXXX If your payment has already been mailed, please disregard this notice. 


Thank You, XXXX XXXX XXXX Collections Department XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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: Information belongs to someone else

Complaint:
This is one of my NUMEROUS 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX. Please remove this account ASAP.

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