BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/20 XXXX XXXX has placed a false inquiry on my credit report that I did not initiate nor authorize I have reached out to them to this view on numerous occasions with no response. They are violating my rights and harming me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a subsequent complaint to a complaint filed a week ago regarding inaccurately posted mortgage payments. I requested a full ledger of my account, escrow account and XXXX account for review. I am refinancing my loan with another lender and instead of sending me the requesting information, they sent me a payoff notice which does not suffice since I feel it may be inaccurate due to how they applied my $ XXXX payment made. The lender is completing my closing documents and we're still waiting for XXXX to send this information to me since I can't seem to pull 12 months of statements from the website. They are holding up the closing process.

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 2019-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company claimed that the debt is mine. I never had an account with the company. They refuse to send me any information with my signature on it or original document/ contract with my signature on it agreeing to open claimed account. This false report is impacting my credit and ability to obtain a job and home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/23 I sent notification of identity theft on my credit report to XXXX, TransUnion and XXXX. I included all accounts that were fraudulent as well as supporting documentation. Police report and my drivers license. I filed a complaint on identitytheft.gov and forwarded the information to the bureaus and the companies reporting.

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 2020-07-30
Company: EQUIFAX, INC.
State: MN
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 writer submitted a dispute to XXXX on XXXX. And a follow-up correspondence from XXXX they requested additional information in order for the fraudulent accounts and inquiries to be blocked or removed. I have attached a copy of that request from XXXX to this complaint. I originally sent the police report which named the accounts and inquiries in dispute. This writer was unaware that XXXX would need any further information however has agreed to provide that information to XXXX for the dispute process to continue. There are two accounts reporting on my credit they are a result of identity Theft. I am directing XXXX to Block the Following two accounts from being reported as they are result of identity theft XXXX XXXXXXXX XXXX Acct # XXXX and XXXX/XXXX XXXX   Acct # XXXX. Both of those accounts are listed in the ID death affidavit and a police report as fraudulent accounts. As far as I can tell XXXX has already removed the fraudulent inquiries so no concerns there. As requested I am attaching to this complaint a copy of my drivers license, a copy of my utility bill, a copy of my checking account statement, a copy of my Social Security card, a copy of the ID Theft affidavit filed this writer filed with the FTC and a copy of the police report this writer filed with XXXX XXXX XXXX Police Dept. Both  reports specifically name in each inquiry and each account that is fraudulent. I am requesting removal pursuant to section 605B of the fair credit reporting act which states that fraudulent accounts must be removed within five days of receiving notification from a consumer that the accounts are the result of fraud or identity theft. I am now exercising those rights and I request for removal of the information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: WSFS FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have an estate account for my grandmother at WSFS Bank. The estate settled but the account is still pending federal tax payments. As a result, I have not had any activity. However, I visited the Wilmington branch and they said if I left {$500.00} in the account I would not be charged fees. I left {$600.00}. I was then charged inactivity fees so called and was told they would refund the fee and it was a mistake. 

But, I started to be charged fees again. I called and was told again that the fee was a mistake, they would waive the fees and I didn't need to do anything else. 

I started to be charged fees again. I called and spoke to several people, including a Wilmington branch manager ( which by the way she called me honey which was inappropriate and degrading ), she said theres nothing they could do I needed to make a deposit to stop the fees. And would only waive a portion of the fees. However, this is an estate account and I thought legally I was not allowed to make transactions unrelated to the estate. 

I am asking for all of my fees to be returned which is totals around {$80.00}.

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 2023-03-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Today i looked at my experian report and saw that the name and address were incorrect on the report. XXXX and XXXX from experian informed me that they could not remove the address because the company has the address to the mailing addresses that are on file. No creditor should not reporting to an address that XXXX have not given them. I have never called experian and reported the addresses that are on file and the name that they are using is not my name. Ive asked them to fix this issue and they will not fix it.This is identity theft they are selling my information incorrectly and saying that they cant 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 2022-08-16
Company: Rocket Mortgage, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had received a " robo '' call at the end of XXXX and was asked to review my current loan. I firmly rejected that because I was not interested and was in a hurry to get on my way to a family event. My current service with Rocket Mortgage has been very good until that phone call. 

On XX/XX/XXXX I received an email that thanked me for applying for a home mortgage. On XX/XX/XXXX I talked to XXXX to complain that I had not applied for a loan and that I was enraged about being rejected for a loan for which I had not applied. She assured me that my XXXX XXXX was not affected and that the response was marked inappropriately as a denial. She apologized. I asked for a letter confirming that error and stating that I did not apply for a loan. 

I have now received a letter that says the same thing the email did -- I have been denied a loan. Indeed this is a hard time for mortgages, but I seem to be caught up in a telephone marketing snafu. I think these phone contacts are marked denial because of quotas that the callers must make. I want my XXXX XXXX protected and do not want to be placed in this position again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Identify theft XXXX XXXX used my address to route my mail and get personal information to open credit cards and finance a car

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
There are several negative items and unapproved inquiries on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020. It is now XX/XX/2020 and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2023-05-17
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Per UCCC 3.301 ( 1 ). The financing bank was acting illegally. Regional acceptance corporation was only the assignee to a sales contract and therefore committed a crime by taking security in addition to the purchased automobile. XXXX XXXX XXXX v La Joie ( Okla ) 537 P2d i207, 86 ALR3d 309

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 2023-02-02
Company: EQUIFAX, INC.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$410.00} XXXX  XXXX Balance Owed : {$350000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Tonight I received a phone call at XXXX from a person who identified themselves as a Bank of America representative from the phone number ( XXXX ) XXXX ( which when called back reroutes to Bank of America ) immediately after receiving a text message about a fraud charge on my account. See text messages attached below. 

I immediately received a phone call from the Bank of America impersonator, who told me about fraudulentcharges on my account, including a wire transfer. The person then said I had to send a XXXX payment to reverse the wire transfer from my account. He said the wire transfer was made to XXXX XXXX in XXXX, NC. He said they made a charge to XXXX while we were on thephone. This person had me confirm the XXXX transfer through textmessages, and set up a receiving account in my name with my phone number. I read them the ID code. 

See text messages attached below. 

I did not understand the process, I asked him to tell me how it worked multiple times and asked him to reverse the {$120.00} transaction before I sent the bigger one. I asked to speak to a supervisor. I asked him to explain how the reversal would happen exactly. I now realize he did not really have any answers to these questions. 

I have been on hold for over two hours and all of their call centers are down now, I haven't been able to reach a person despite their website sayingfraud support is available 24/7. I lost {$3500.00}. Please, please help me. I am terrified and need that money.I finally got another person on the phone after calling another number and XXXX support will not connect.

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 2022-10-06
Company: Experian Information Solutions Inc.
State: TN
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:
The credit bureaus stated my account was properly investigated for a bankruptcy they are reporting, 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking 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 2023-01-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Identify theft XXXX XXXX used my address to route my mail and get personal information to open credit cards and finance a car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 write to you today with a heart heavy with disappointment, as I find myself entangled in a web of outdated and fraudulent information on my credit report. The credit bureaus like TransUnion, entrusted with the responsibility of safeguarding the integrity of financial data, have failed in their duty, leaving me to suffer the consequences of their negligence. Despite my many repeated requests for the removal of this misinformation, the credit bureaus have turned a blind eye to my pleas. They have ignored my rightful demands for accuracy, allowing erroneous data to persist on my credit report, casting doubt on my financial standing, and impeding my access to fair opportunities. This outdated and fraudulent information has far-reaching consequences. It tarnishes my reputation, hindering my ability to secure loans, obtain favorable interest rates, or even pursue certain employment opportunities. The credit bureaus ' indifference to my plight demonstrates a disregard for the well-being of hardworking individuals like me. I implore you to rectify this grave injustice promptly. Remove the outdated and fraudulent entries from my credit report, restoring the accuracy and integrity that should be the hallmark of your institution. Failure to address this matter will only further erode the trust and confidence that the public places in your services.

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 2019-11-22
Company: Affiliated Management Services
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX AFFILIATED MANAGEMEN Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AFFILIATED MANAGEMEN Reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 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 2021-08-21
Company: EQUIFAX, INC.
State: CT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX Credit Bureau has failed to provide the services : 1. appropriate investigation services within 30 days 2. dispute filing through my paid membership, online, over the phone and Mail which has never been received from XXXX  3 . XXXX  has provided multiple false/scam/fraudulent contact call centers, credit reporting Representatives, telephone numbers that has resulted in continued identity theft attempts 4. This is-not the same complaint.

5. The last time I contacted XXXX  : my email : XXXX ; XXXX was hacked 6. Documented evidence will support when agencies are investigating XXXX  the dispute center is unblocked ; then 5 days later XXXX  reports month after month XXXX  is continuously working on the dispute center. 
7. To date Documented evidence supports my credit rating continues to demonstrate horrendous declines although my credit reporting status does-not represent or align with these horrendous declines dated XX/XX/2021. In addition, the blocked dispute center will substantiate XXXX  has not provided no online services it contracts to provide : Entrusting in God, equal rights, protection under the law and justice I request a thorough investigation be immediately be conducted into XXXX  Actions : See the two updated attachments :

Company response to consumer: Closed with explanation