BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a check from my boyfriend for {$9500.00} to pay for my dogs veterinary bills, which was VERY important. The next day they put a Hold on the check because they said the check had been altered which was completely false. I stayed on the phone for over an hour telling them they could call my boyfriend, call his bank, that the check was absolutely NOT fraudulent or had not been altered, but all they would say was : FIRST : they were completely refusing to release the hold. Then, when I would not take no for answer, they kept transferring me to finally a HORRIBLE worker by the name of XXXX who explained all this stuff I had to do. I was going to do it until she said I had to get a NOTARIZED LETTER. My boyfriend was right there telling them to release the hold! ( They said they couldnt find his number this had to be false because I know his bank had it ). This caused me to have a full blown XXXX XXXX at my treatment, having to spend over an hour trying to sort it out to no avail, and now I will be late on payment for my very sick dogs veterinary bills, which has brought an infinite amount of stress on me. My check will still remain on hold for XX/XX/23, and my boyfriend has not stopped payment and written another for fear they will do this again.

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 2020-12-15
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened a Business Account with BB & T Bank in the name of XXXX XXXX XXXX XXXX. I had a business partner who had an authorized debit card and access to the account. The partner used the card and account for personal use and the account was charged off. The business Account was open XX/XX/2019 2019

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Had XXXX modifications ... XXXX and XXXX. 

Wells Fargo said I was approved for a modification and then put my house in foreclosure XXXX  times when they had all of my documentation. They told me for almost a XXXX XXXX XXXX XXXX to not pay and to send in documentation. I always sent in what they needed and they would say they had everything and then say that I didn't send it. It went to another person to handle and the process started over. It was charging me interest the whole time. 

I owed {$77000.00} in XXXX and now I owe {$130000.00} in XXXX.?????? Their fault due to repeatedly asking for the same paperwork over and over and saying I didn't send it when I have proof I did. Putting my house in foreclosure for no reason twice. 

I bought my house in XXXX for {$92000.00}. XXXX  years later I owe {$130000.00} ...??? 

The only reason I saved my house in the last foreclosure is because I did research and found out they couldn't follow through with foreclosure because my account was in the middle of being sold to another company... ..I know I was not treated fairly.

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 2023-11-28
Company: EQUIFAX, INC.
State: CA
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
An XXXX XXXX account with a {$20000.00} limit was opened on my Bank of America account without my permission, knowledge, or consent. The card was mailed to my old address. BofA said the application was sent in on XX/XX/23. I noticed it on XX/XX/23 and contacted BofA to shut down the card. I also froze all my credit and changed my passwords, as directed by BofA.

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 2020-12-29
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: Information belongs to someone else

Complaint:
I disputed innacurate accounts reported by your company in the file you maintain Under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX XXXX XXXX, XXXX, XXXX/XXXX. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

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 2023-06-05
Company: Experian Information Solutions Inc.
State: TN
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 am writing to dispute information on my credit report that is related to a bankruptcy filing. According to my credit report, there is a bankruptcy filing that was reported in XX/XX/XXXX However, I have not filed for bankruptcy and the information on my credit report is incorrect. 

I sent letters to you on XXXX XXXXand XX/XX/XXXX requesting that this information be removed from my credit report, but it has not yet been corrected. I also contacted the US Bankruptcy Court, and they informed me that they did not report or verify this information. 
Please send me a written response confirming that you have corrected the error and removed the bankruptcy information from my credit report. If you are unable to verify the accuracy of this information, please remove it from my credit report immediately.

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 2020-01-10
Company: EQUIFAX, INC.
State: TN
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:
ACCOUNTS DO NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Experian Information Solutions 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:
XXXX XXXX claims I owe for a credit card that I never applied for had or used I never had a XXXX XXXX card this is not my card I have tried to tell them numerous times that this is not my card I am going to hire a lawyer and get a lie detector test to show that this is not my account I am going to charge the lawyer fees and the lie detector test fees to XXXX XXXX and Experian when I prove this is not mine this needs to be removed from 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 explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : THE BUREAUS ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX US DEPT ED 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 2021-03-10
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
BBVA USA lied to me and mishandled my funds in my account and paid a fraud levy that was sent to them from a fraud Child Support whereas the person robbing my account pretended to be apart of the California Child Support system sent them a levy they fraudulently created. I had problems with banks paying fraud levys in the past and went to a government office in XXXX XXXX and the women removed this fraud case before my eyes it was old and suspicious an empty case in the system and she also sent the removal to the California XXXX. Someone used my social security number a hate crime and created this Child Support case that was removed from the system in identity theft. I gave BBVA USA proof that XXXX bank got a levy and paid out money from my account and credited me after they found out it was a fraud I gave BBVA USA the documents before I opened an account with them I was afraid my account would be robbed so before I agreed to open an account I just wanted to make sure that they would not give my money away unauthorized they told me before they would give my money away the would get my authorization to pay money from my account. My account was debited : XX/XX/2018 {$6600.00}, then {$170.00}, then {$220.00} and {$73000.00} they paid this money XX/XX/2018 to a fraud posing as a Child Support Collection. 
I need my money back, depositors money is not for you to give away to frauds give me my money back your representatives lied and said you would protect me as a consumer and my account from fraud activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company XXXX XXXX XXXX is reporting a debt to a collection company that reached me to collect the debt. This is the second collection agency collecting {$1500.00}. The first one I disputed, and it was removed, but apparently XXXX XXXX XXXX has not cleared that out of the record. 

I submitted the Fraud information to the XXXX XXXX XXXX XXXX XXXX ( Incident # XXXX ) The thief used my information to open the account # XXXX with XXXX XXXX XXXX XXXX  The phone assigned to this person was XXXX. In the claim I proved my residency and all the required documents proving it was not me, but it looks like it did not clear the records. 

Could you please help me remove this from my records?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX Balance : {$8600.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$3600.00} XXXX Balance : {$7400.00} XXXX XXXX Balance : {$5700.00} XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2019-11-18
Company: Experian Information Solutions 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:
experian, XXXX and XXXX has an account on my credit that is not mine/inaccurate. 

Accounts-not mine 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 explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Transunion is in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) which states the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

Transunion is in violation of 15 USC 1681a ( e ) which states that a consumer report which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. Transunion NEVER did such interviews with any neighbors, friends, etc.

Transunion is in violation of 15 USC 1681a ( 2 ) ( B ) which states that the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The term credit card pursuant to 15 USC 1602 ( l ) means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This only a few violations that states how Transunion violated me as a consumer.

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 2021-03-10
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was on the website to verify my profile information because I have a new credit card. I found out that my card was cancelled. This seemed false and the reason for the cancellation appeared to me to be false. The website said that the cacellation was due to the Mobile phone and Home phone numbers were the same number AND caused confusion on their system. Further, in XXXX I received a letter regarding my account that following the XX/XX/XXXX statement, their would be a change in my Credit Card account ending in XXXX. The notice applies to Home Depot Consumer Credit Card ( a Citi product ). In addition, my profile information shows that the email I had changed in XX/XX/XXXX had been reverted back to the old email. I did call the number provided about the issue, XXXX. Previously, web profile changes were provide a different number, XXXX. The person on the phone at the number given said my card was cancelled due to inactivity. This is not only false ; but a bad business practice too. I would not have applied for a card if I knew that they would remove me because they didn't like that I hadn't bought anything. They should have to disclose this information. I do mind the lying, false information and disregard of my credit information. They could have sent me a cancellation letter, if this is true. So I'm filing a complaint. In addition, i wish to mention that when calling the number provided, Home Depot is asking for permission to allow third-party information, other partner sharing, mobile phone calls or texting in order to contact me. I don't believe that these are jointly-shared permissions. There is now no way to remove the permission I just gave in order to use the text features which ordering frequently needs to use. Credit cards also use 2-step verification using text messaging to provide the access code. This seems to an invitation to provide unwanted and even spam messages to my email or text messages.

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 2023-11-28
Company: EQUIFAX, INC.
State: MI
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:
I am writing to file a formal complaint against Equifax, XXXX, and XXXX for what I believe to be a violation of the consumer protection laws outlined in the United States Code ( USC ). I have outlined the details of my complaint below, citing specific sections of the USC. 
I have attempted multiple disputes by certified mail as well as online to XXXX, Equifax, and XXXX. I requested them to verify dates, balances, and contracts from the furnishing companies with my signature. I've attempted correspondence with Equifax, XXXX, and XXXX starting from XXXX of this year until the present with no satisfactory results. 
I recently discovered that Equifax, XXXX, and XXXX have improperly used my credit report information in violation of the Fair Credit Reporting Act ( FCRA ), as outlined in USC Title 15, Chapter 41. My reports show incorrect variations of my name, incorrect addresses, as well as inaccurate and inconsistent balances and dates. 
These actions by Equifax, XXXX, and XXXX infringe upon my rights as a consumer, as protected by USC Title 15, Chapter 41, Subchapter III. 
I want to bring to your attention that Equifax, XXXX, and XXXX did not obtain proper authorization for the use of my credit report information, which is a direct violation of USC Title 15, Chapter 41, Section 1681b.

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Equifax, XXXX, and XXXX in accordance with the USC.

I have attached a copy of the Final letter that was sent to Equifax, XXXX, and XXXX as well as a copy of my reports, other supporting documentation, and a copy of my State ID. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will act diligently to ensure that my consumer rights are protected.

Company response to consumer: Closed with non-monetary relief