BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-18
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:
I was made aware of two accounts with negative history appearing on my credit today XX/XX/2020 ; I found out that these accounts were on my credit because I went to refinance my car and I was told I did not qualify to refinance due to having negative accounts on my credit report. I was confused because I have always made sure to make my payments on time for any loan or credit card. I looked through my credit report and there was an account from XXXX XXXX & XXXX XXXX with negative payment history. Neither of those accounts is mine nor did I allow anyone to open them in my name. I did not benefit anything from those accounts such as money, goods, services or any other benefit and I did not contribute to any payments made towards either of those accounts. I am not affiliated with either of the companies listed above and I never allowed them to run or access my credit. I have filed a complaint with the consumer financial protection bureau regarding these unauthorized accounts.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: WV
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-07
Company: JPMORGAN CHASE & CO.
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX received e-mail, stating that my credit card was closed due to improper use. To review this press the word review. I did and they ask for identification, social security number, picture of my driver license and my mother maiden name. The sight looked official, plus I use fingerprint I.D . to open my e-mail. So I then call the credit card company. Locked my card as suggested. Called my bank as suggested, they locked that account-said to be vigilant. Suggested to call Social security, they put an alert on my account, suggested I call local police. I did and they suggested to report the fraud to this sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
I tried removing a Citi bank credit card from my credit report that belongs to my ex wife of now 4 years. They refuse to remove it after now XXXX attempts through XXXX as I am unable to reach a representative to speak with on the matter. Im just looking to correct this issue as its causing an unwarranted negative impact 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 2023-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 my account balance was {$41.00} I withdrew the {$41.00} and bank of America put my account at- {$31.00} the next day. Bofa used a XXXX transaction that happened on XX/XX/2023 and dated the transaction XX/XX/2023 this date is the transaction date and posting date. At the time of purchase from XXXX funds from account where removed. When BofA changed the on the transaction from XX/XX/XXXX to XX/XX/XXXX they charged me again and caused my account to be overdrawn. I contacted bank of America and was told XXXX had just processed the transaction and that there was no double charge I ask why did the transaction say XX/XX/XXXX and the processing date say XX/XX/XXXX also. I also ask why at the time of the transactions which was XXXX they withdrew funds for the transaction and when they changed the date they withdrew again causing the over draft. I also stated to bank of America that I do not have overdraft services so how does my account continue to get overdrawn. Bofa refused to answer. I tried calling back to speak to a supervisor but BofA refuses to give services because I'm having issues with my text messaging and BofA says that's the only way they can verify my identity and to go in to a branch. Is the only way I can get customer service. There unrecognized charges made to my account and I can't dispute them unless I call them. I can't make it into the branch because of transportation issues. Everything stated can be proven. I filed multiple complaints with BofA about getting notifications of debit card charges when I'm not using my card and when checking my transaction history the notification of the transaction is no where to be found. BofA continues ignore these issues there has no follow up or anything I do believe BofA is taking money out of my account without authorization. BofA has also lied about available balances in XXXX I made a deposit to my account because my account was at a, XXXX balance. When checking my statement for that month BofA states my account balance at the time of that deposit was more than {$0.00} which was not true I told BofA I had the receipt proving the balance was XXXX at the time of the deposit BofA replied there must be something wrong with the atm.

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 2020-10-23
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: Credit inquiries on your report that you don't recognize

Complaint:
My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these FRAUDULENT inquiries.

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 2023-05-01
Company: BSI Financial Holdings, Inc.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I'm currently in XXXX  XXXX bankruptcy. In XXXX of XXXX  my servicing company BSI Financial submitted a letter to my attorney and the trustee claiming that I had arrears in the amount of {$3500.00}. They were unable to explain where the arrears came from since the loan had transferred from XXXX to BSI. I paid {$4500.00} which was the arrears plus my payment for that month. After that the company claimed that i still owned them additional backpay. I called several times and spoke to my account manager XXXX. She was unable to tell me why i owed additional money and said that she would order a payment history ( which i was told usually takes 24 hours ) then never contacted me back. I contacted them again and she told me it looked like the funds were not applied but were with their legal department. I was not contacted again and have since made every monthly payment on time. I since have sold my house and went to get a new mortgage loan. Upon applying for the new loan BSI financial said i've made every single payment late and that i was 1 month behind with no explanation of how i was a month behind. This is preventing me from getting a new mortgage or rental property and i'm going to be homeless. My title company had to contact them 7 times to get payoff information. Every time the title company was told that it had been ordered and they would receive it in 24 hours. Finally the 7th call they were told they need to submit a PDF form requesting the payoff which they were never told before. Much like my experience with BSI the company was irresponsible gave lack of information and ignored the request for resolution. This further provides evidence that my issue is not isolated to me. I've paid every payment monthly for 1 year on time which is the requirement to get a new mortgage loan and just now learned that i am somehow 1 month behind. How am i behind after a {$4500.00} catch up payment?! I'm now unable to get a new mortgage because of this company 's incompetent staff and poor records keeping/communication. I was never contacted by my account manager XXXX or by BSI to inform me that i was 1 month behind and every time i called i was never told that i was behind. Just that the funds had not been applied from the catch up payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: WELLS FARGO & COMPANY
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This situation started on   XX/XX/XXXX  after rec eived a fictitious/scam email about participating in a   XXXX   XXXX   program. The email appeared to come from a former colleague, but the email was hacked. Fast forward - on   XX/XX/XXXX  , I deposited a check into my  XXXX  account for {$2800.00}. The supposed purpose of this check was to complete a   XXXX   XXXX   assignment. The person who sent me this check,  XXXX   XXXX , was creating a scam under the name    XXXX   XXXX   XXXX  , who  is a real company and I received the invitation through a hacked email from a former colleague.     After I began receiving signals that made my uncomfortable, I told this gentleman that I was uncomfortable and would like to return the {$2800.00} that was deposited by check into my   XXXX    account o n  XX/XX/XXXX . H e told me to send the money back by wire/ACH using  Wells Fargo  bank,  XXXX   XXXX , Acct :  XXXX , routing number  XXXX . I initiated this request the morning  of  XX/XX/XXXX  fro m my  XXXX  account.     Unfortunately, the morning of   XX/XX/XXXX  I rece ived word from  XXXX  that the original {$2800.00} check deposit o n  XX/XX/XXXX  was  rejected due to an inactive or non-existent account. ... thus scamming me by the creation of the wire/ACH t o Wells Fargo .       XXXX   XXXX   XXXX   verified this person does not work for this company and that it was is a scam.     I am trying to do everything I can to freeze the {$2800.00} of funds that was se nt to Wells Fargo  account  XXXX  in response to the fraudulent activity of the account owner.     For the record my reference to my FTC complaint is  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 2023-05-28
Company: Experian Information Solutions Inc.
State: RI
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:
Lord have mercy. I do not know where to begin with this horrible company that has been negatively affecting my credit report and costing me thousands of dollars in interest. I had settled my debt with XXXX XXXX through a debt collection company named XXXX XXXX XXXX back in XX/XX/2020. I paid this debt collector {$260.00} and the Plan ID # also known as the confirmation number is : XXXX. I called XXXX XXXX XXXX and spoke with an associate by the name of XXXX XXXX. I informed him that I have made an agreement with XXXX XXXX XXXX stating that I would pay the debt of {$260.00} in order for them to delete and remove the account completely off of my credit report. He informed me that he is UNSURE why said account is still showing on my credit reports because the company requested a deletion from the 3 credit bureaus back on XX/XX/2020 and he also informed me that their department which settles debts asked the 3 major credit bureaus to remove said trade line from my credit reports. This company is hurting my credit profile, I already paid the alleged debt that was owed why are they still trying to destroy my credit profile? I would like this company removed and deleted from my 3 credit reports IMMEDIATELY as they are NEGATIVELY affecting my credit score. I would also like to add that these companies have violated my rights under the FCRA, 15 U.S. Code 1681s2 states A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.This is a clear violation AS THE LAW SAYS. I have attached a copy of this inaccuracy from the 3 credit bureaus and am seeking Montery relief from all companies involved with this violation. I have sent the 3 credit bureaus A LOT of letters stating this inaccuracy and all they have done was further violate my rights by updating this alleged debt and not fully investigating as they should have.

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 2023-05-01
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS

STAT ED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2023-03-18
Company: Amsher Collection Services, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Amsher collection never notified me of the debt before reporting it to credit bureaus when I seen it I contacted and asked them for a verification as I believe it's false they never sent it then hired a lawyer so I contacted the lawyer who hung up on me multiple times and refused to speak to me finally asked them for verification of debt have never received it and no one has actually ever called me iv always had to contact them after it shows up on my credit monitoring service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I received a letter from XXXX XXXX making such false claims that shes available to speak with me any time concerning my mortgage. Only to find out is that she may not be an individual currently employed at Wells Fargo because Ive tried reaching her dozens of times @ XXXX XXXX XXXX and it goes straight to Voicemail dated XX/XX/XXXX. Plus she has lied claiming that I was continuing getting calls because someone wanted to speak with me pertaining to my mortgage. After already knowing the fact that I had an Attorney by the name of XXXX XXXX to whom I had to fire because he lied to me prior to taking on this case claiming that he had absolutely no associations with Wells Fargo. Only to find out is that he has a Bank Account with them and was working undercover with them to set me up. And the so called XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Ext XXXX keeps avoiding me and hasnt returned any of my calls and this is inappropriate behavior coming from supposedly professionals. And Im willing to try and work things out with Wells Fargo but they continue to play games and cater to XXXX XXXX as my attorney whose a former XXXX for a Former Ruthless District Attorney. Im requesting that these Wells Fargo Employees be investigated for their illegal activities and that a Manager or a real higher up official gets back with me because XXXX XXXX and XXXX XXXX are just customer Service Represenatives who only works in a cubicle

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 2022-08-17
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}

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 2019-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
This is an amendment regarding the block request I previously submitted requesting that the fraudulent information currently listed on my FTC reports be permanently blocked. As I've always stated, my information was compromised in 2017 due to the negligent procedures of XXXX. The additional information submitted comes from XXXX   acknowledging their egregious behavior regarding safeguarding my personal 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 explanation
Consumer complaint received 2023-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a payment of {$1500.00} to Capital One Venture card by transfer from my Capital One checking account on XX/XX/XXXX, XXXX.I appears that transfer was accepted and deducted from my balance. I made the exact same transfer of another payment of {$1500.00} from the same checking account on XX/XX/2023. Both payments would have put my account balance below my credit limit. On XXXX XXXX, a small automatic payment was declined because it would put my balance over the limit. 
When I called the bank, they informed me that, because I had to close a previous checking account and open a new one due to fraud, the credit card division was holding the deposit for XXXX business days before making the funds available. I had not been informed of this before. The new checking account was in good standing, and I had deposited the fund into the account in cash. I can't effectively use this card under these conditions. I can not open a new account at this time because the fraud has temporarily affected my credit rating. 

Below is a copy of the email I received : Venture Credit CardXXXX Make a payment to help avoid future declines. 

Hi there, Your {$16.00} purchase at XXXX on XX/XX/XXXX was declined because it would have put you over your {$12000.00} credit limit. 

If you make a payment now, it often will be reflected in your account immediately, but can sometimes take 1-2 days. 

Balance summary Credit limit {$12000.00} Current balance and pending charges {$11000.00}

Company response to consumer: Closed with explanation