BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2022-10-27
Company: Texas Guaranteed
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:
Trellis company is willfully ignoring my requests and willfully violating my rights. I have notified them about identity theft. According to the law since I have claimed to be the victim of identity theft, the collection agency must temporarily stop their collection effort and investigate the debtors claim. 
They have not done this. If they claim to have investigated I would like to know how they investigated and who they spoke with. 
Again, TRELLIS- XXXX XXXX, Trellis XXXX are a result of identity theft. I am demanding Trellis to suspend their collection and do a proper investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$140.00} XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$4300.00} XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX  XX/XX/202XXXX XXXX XX/XX/2022 XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2018 XXXX XXXX XXXX sent me a letter saying that a bill was resolved. It was a fraudulent bill that took about 5 years to contest. I had felt relief about the bill being erased until I saw on XXXX XXXX that they still say it is owed. I called them. A CSR said that one debt was erased but a new debt wasn't disclosed to me before. I was like " how is it possible that the new debt is exactly the same amount as the debt that was erased? It seems totally impossible and I never heard of this '' He said " It must be fraud or identity theft ''. It's about {$300.00}. The debt erased was about {$300.00}. It is a new debt that I never heard of from a company that was forced to erase the original debt. This is outrageous. 

I can see that they can erase one and just make a new debt up out of thin air. The new debt just replaced the old one like it was nothing. This is their address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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: Was not notified of investigation status or results

Complaint:
I sent a letter out on XX/XX/2022 to XXXX, XXXX and Equifax. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction. 

The term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is stained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$15000.00} XXXX XXXX XXXX XXXX Balance {$3500.00} XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX Balance {$20000.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$720.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/2XXXX 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 2023-07-01
Company: Early Warning Services, LLC
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I got a transfer on XX/XX/XXXX for {$120.00}. The person sent me a screenshot with a confirmation number. I never got the funds in my account. I called Zelle and the agent told me that there was nothing he could do and advised me to call my bank. My bank has been trying to help me for over two months to get the funds without any success. Zelle says that they can see the order number but that the funds never left the senders account and they dont know why, and will not provide a solution.

This is absolutely outrageous. Zelle is a service that should work as promised and if there is a confirmation of the transfer : 1. the transfer should happen ; 2. They should not wash their hands and make the costumer and the bank chase a transaction they cant view ; 3. Reply saying that something wrong must have happened and not offer any steps forward to make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My XXXX account is set up on ACH payment. XXXX charged my checking account {$140.00} on XX/XX/19. My regular bill is {$71.00} on the XXXX each month. I contacted XXXX on XX/XX/19 to dispute this charge, which was double my regular bill. I recently moved and transferred my service to a new address. The XXXX employee I spoke with explained that ACH doesn't carry over for a transfer and they have to reestablish the ACH from the transfer. I told him that this was not explained when I transferred my service, and that even if it had, I would not have authorized XXXX to pull my XX/XX/19 and the XX/XX/19 bill together. The XX/XX/19 bill is not due for 3 weeks. I asked that they refund this portion of the bill. The employee was non-committal and told me he could escalate to a back office support team, but indicated it would be a number of business days before I heard anything. I asked to speak to a supervisor. The supervisor was also non-committal and advised he would escalate the matter to back office support who has ultimate approval on this, that he had no authorization to put the money back in my account. He said there was no way to transfer me to speak with the back office team directly either, or anyone who had authority to resolve this matter. At best, he advised that IF the refund was authorized, it would be sent via check and take up to 5 business days for authorization. I told him that the timeline, the lack of urgency, and the non-commitment from XXXX were all not acceptable to me as this was an ACH that was not authorized. He indicated I could seek resolution via my bank as well, and I advised I would do that. I attempted to dispute the transaction with my bank ( Simple Bank ), but received a message that disputing the transaction was not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Truist closed my deposit accounts in XX/XX/2023. No specific reason was given, but that is not the issue. The issue is in the letter informing me of the closing of the accounts, it also stated that I will receive a check for the balance after 10 business days. I did not receive a check. The letter also states that if I do not receive the check, I should contact a branch. I contacted a branch in XXXX, NJ in XX/XX/2023 but I was told not to go in because I will not receive my money. I was also advised that I should wait for some kind of investigation to conclude. 
It has been 7 months now and I have had no correspondence from Truist regarding my money that they are holding.

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 2016-07-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello : I have recently received a letter stating my loan was transferred to SPS ( and during a previous attempt to satisfy my XX/XX/XXXX payment via XXXX XXXX ). A fixed 20 year term XXXX Mortgage Loan. 
With a new loan Number within SPS of XXXX. 

My due date is the XXXX of each month and a grace period of fifteen days. 
At XXXX I contacted SPS and spoke with a representative, whom stated a payment by phone, online, and or mail will not be applied to the account until the eleventh of the month ( at the earliest ). Claiming our account information has not fully uploaded from XXXX XXXX to SPS, therefore any attempts to set up online, or a payment by phone is not an option. 
And if a payment is received, it will not be applied to the account until XX/XX/XXXX. 

Here are my concerns : We will continue to accrue daily interest, due to SPS not having the capability to upload any mortgage information, until the eleventh ( transfer date occurred on XXXX XXXX, 2016 ). 
When the representative was confronted of my concern, she responded by stating, SPS was in compliance of RESPA. 
QUESTIONS : Does the correspondence, advise the borrower of the delay to apply credit to the loan, ( I have read the correspondence and saw no verbiage )? 
Why would your system take eleven days to upload from XXXX to SPS? 
If there are system limitations, do you feel you have the opportunity to upload mortgage loan in increments? 
Is SPS in compliance of REG Z ( Are you back dating payments? ). 
What does RESPA have to do with the transfer of my loan? 

Overall, I feel this appears to be unfair and deceptive practices. 

As stated earlier, I am concerned due to SPS not having my loan information immediately after transferring the loan, I am negatively impacted with accrued interest. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! Account Name XXXX Account Number 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 2022-04-29
Company: General Motors Financial Company, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I leased a vehicle from XXXX XXXX and turned in the vehicle on XXXX XXXX and purchased a new vehicle the same day. They took possesion of the old car ( XXXX ) with the original license plates and my new car got new plates from dealership. 

A year an have later, I received notice from the credit bureaus that I had an outstanding debt from GM Financials -- the lessor. When I contacted them, they said there were property taxes due for XXXX, which I didn't have possession for. They asked me to send confirmation that the dealer took possession of the vehicle on XX/XX/XXXX and I emailed the documentation on XX/XX/XXXX. I continue to receive calls and have this listed on my credit reports. 

On DMV 's website it indicates-If the lessee relinquishes the leased vehicle at lease terminaation, the lessee has no further obligation to DMV regarding this vehicle. Any actions regarding the vehicle after relinquishment are the sole responsibility of the lessor. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Closed account : 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 REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

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.

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX. Delete these accounts now I didn't receive proper documentation from any of the companies as I requested and the 15 day timeframe they had has expired. Due to lack of proper communication I demand these accounts deleted immediately or I will file for litigation for my rights as a consumer have been violated and I am devastated by your lack of help to the consumer. My credit is very important to me and my rights are being violated and I am in a XXXX XXXXXXXX due to this situation, handle this matter to my liking or I will take further action to get the results I demand.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I sent money via XXXX using the Wells Fargo banking app on XXXX. My contact XXXX XXXX from my contact in my phone is registered as XXXX XXXX. Their token ids are the same and should not be. Ive been telling my bank theres an issue with this since the funds were sent on XXXX I sent money to XXXX XXXX using the XXXX app with the Wells Fargo app. The funds never went through to XXXX. I created several claims with my bank that keeps denying stating they have done everything correctly and there are no issues with the money being sent. Ive been told by my bank to speak to XXXX  XXXX is registered as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  digit off. I need help getting my money back and getting the token ids correctly listed. I have more detailed accounts on EVERY conversation with claims and the executive office within Wells Fargo since XXXXi would be more than happy to provide more information. Please advise

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 2023-04-18
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 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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