BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/2018 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have uploaded to XXXX/upload multiple times my updated social security card, active drivers license, and FTC REPORT for identity theft. I have written a letter telling XXXX to get rid of every alias of XXXX but to only keep XXXX XXXX XXXX because that is my legal name. My social and my license both show it as such. My license shows my address, which is on my consumer report - ( ONE of at least XXXX addresses ) which i instructed XXXX to keep only the ADDRESS THAT IS ON MY LEGAL DOCUMENT and delete the rest. Well, when i go to dispute the fraudulent addresses, i cant dispute it because a furnisher is reporting on that address so it must stay. I let XXXX know that those addresses, those accounts are fraudulent. Theyre part of the identity theft because my abode is the address on the license. I need my personal information updated fairly and without blemish so i can have those fraudulent accounts off my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I contacted capital one in XX/XX/XXXX as I was laid off. On a recorded call, I made capital one aware that I was still fighting to get unemployment, which was just approved this week on XX/XX/XXXX, and I could only pay $ XXXX/month. Granted one of the agents was an overseas agent who may not fully have understood my request, which is why the jobs shouldnt have been outsourced as they do not fully understand what theyre agreeing to and it harms consumers later. She walked me through signing up for a payment assistance plan for 90 days. However, capital one marked my payment late and is reporting late for an amount of {$230.00}. I can not pay that much money. While the unemployment was finally approved, I also received a new job offer. And they didnt back date my unemployment to the date of lay off because my separation letter had a XX/XX/XXXX date. As much as I would like to pay more than {$50.00}, I can not. I have to now pay my rent which is over {$1000.00}. The lump sum from unemployment will only be for three weeks, so thats only {$820.00}. I will not start my new role until XX/XX/XXXX, which means I wont get a paycheck until XX/XX/XXXX since I start in the middle of a pay period. 
I called capital one last week on XX/XX/XXXX to inquire about the status of my account. I spoke to a supervisor XXXX with ID # XXXX. I explained to her the call was recorded on my end and capital one end so my info can be verified. She denied reducing my monthly payment even after giving her the facts. 
I also called XXXX in the executive office and left a VM. She never called back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This account XXXX sound, was in good standing, there were no issues of late payments or anything else. Synchrony decided to close the account without any notice, or any reason to such. 
I was counting on that account for my work. It was a very important account for the type of work I do, XXXX engineering.

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 2020-02-24
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I signed up for the {$400.00} bonus for $ XXXX deposit offer that they had on XX/XX/2020. I signed up over the phone, and I told them to withdraw $ XXXX from my account. I gave them all my info. and it was supposed to happen. Then they kept telling me they had problems with me signing up, they wanted another signature card. Long story short, they dragged out the process, it took over a month ( there time window for the offer ) for them to deposit my money into there account and they did it for {$7500.00} not the {$15000.00} that was supposed to be done with. When I called them about the promotion they said it's been over a month and that I didn't qualify anymore! If you're signing up for some kind of promotion that they have beware!

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 2023-11-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was contacted about a work from home job through email and when I replied they sent a text saying to get on XXXX XXXX for the interview. I went through the interview that lasted about 45 minutes with questions and then I got an email congratulating me on getting the job. After that they asked if I had a fax machine and other equipment and I had some but they wanted a specific laptop and data entry software and asked if I had worked with petty cash, but not until they had me fill out a W-4 and I9 and had a copy of my social security card and drivers license. They said they were the company XXXX. They then said they were going to send me a check to cover the supplies, when I asked where I would get the stuff they said they have a vendor that I just send the money to. They sent the check and I deposited it and told them I wouldnt do anything until their XXXX XXXX check cleared. They said it would clear the next day even though I said it takes 2-3 business. The check cleared the next day and the money was in the account. I researched XXXX and saw that it was a huge corporation and totally legit and the check had their logo and address on it. I wired the money to a CHASE account with the name XXXX XXXX and the routing # XXXX acct # XXXX with a XXXX XXXX, Utah address which I have as well. That night my account was overdrawn and the people I was talking to said thats never happened before and their accounting department would fix it in the morning. They disappeared after that and I could not contact them. XXXX XXXX was the name I spoke with on Teams. I have all the emails from them and screenshots of the FBI report. The bank denied the claim because XXXX XXXX  took the money back and the wire was taken from the account and now my account is overdrawn and they took our money and they didnt overdraw the account of the perpetrator. I thought a had a job and not I dont have a job and our bank account is overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021, Wells Fargo ( refunded ) me XXXX XXXX, That was originally sent to XXXX XXXX XXXX Via wire-transfer. The receiver did not accept Wires, so I then used that money and sent only XXXX XXXX ( back ) to XXXX XXXX XXXX via Online-transfer which they did accept, however Wells Fargo FORGOT about it and never sent it, yet processed it in my account as they did, and it was removed from my balance, and still is. I called them to locate it and they apologized and said it would be sent tomorrow but I no longer trust that they are being honest. 

I then forwarded another wire of XXXX XXXX, from XXXX XXXX XXXX to Wells Fargo today at XXXX XXXX and they claimed that it was never delivered yet it is posted on the XXXX XXXX XXXX account as sent and received. 


Please help me locate the money they keep forgetting about.

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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-14
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MT XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$6300.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I was reviewing my credit report and i am quite upset at the inaccuacies you are reporting in my personal information. 

Under the federal law, you have 30 days from the purpose of this credit repair letter to re-verify these entries. It should be understood that faukure to do so within a thridy- day period constitues reason to promptly delete the information from my file FCRA 15 USC s1681i ( 5 ) ( A ).

Also, pursuant to USC s1681i ( 5 ) ( A ) of the fiar credit reporting act. please notify me when the items have been deleted. 

Immediately remove all negative and inorrent information on my credit report listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX rights XXXX 15 U.S.C 1681 section 602 A. States I have the rights 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

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 2023-07-09
Company: Netspend Corporation
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I got a Netspend card in the mail that had my name already on the card, i did not apply for it, and they would not tell me who gave them my information. I asked for there supervisor and of course they were not available. I XXXX  them while talking to her and saw they defrauded XXXX people so id like them audited again because she would not tell what information they had on me. Please contact me if you find they took any money from me. thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried several times to remove my Credit Freeze from Equifax. Each time I receive an error message asking me to call their customer service line. When I do, Equifax informs me they can not find a record of me, despite me having access to the MyEquifax account, being able to see my credit score on their portal, and having my freeze in place. I have been asked to send identifying information ( including my social security number ) which I have mailed and uploaded to the myEquifax website ( both about 3 months go ) and I still am unable to lift my freeze and I received no update and they are still unable to find a record of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: WLCC
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I got a call from ArrowheadAdvance at XXXX from a masked phone number ( XXXX ) XXXX. When I told the agent that it was illegal to call before XXXX, the agent acknowledged that he was on the XXXX XXXX so it was okay. I told him that doesn't matter- it's before XXXX local time, which he should have known since he's using a masked local phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, 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:
wrong info : se attachments for proof XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX, CA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Evergreen Moneysource Mortgage Company
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I started a repayment plan in XX/XX/2019, rather than {$1800.00} a month, I was to pay {$2700.00} ( and change ) each month ... I have been on time with my payments except just recently I had a payment due on XX/XX/XXXX. I had called multiple times, sat on hold for collectively over 6 hours, I reached out my personal lender, and I even send a message through my online portal. Not ONCE was I sent a response or given a call. They are now saying I broke my repayment plan and therefore needed to put {$2700.00} down and repay {$2300.00} a month for the next 6 months. This is absurd and seems like theft considering I was on my LAST {$2700.00} payment and they were to go back down to {$1800.00} a month ... I was intentionally ignored and I  wasn't ever provided any help or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
TO XX/XX/XXXX TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TEXAS XXXX ( FAX XXXX COMPLAINT REGARDING SPECIALISED LOAN SERVICING FOR INCORRECT PAYMENT COLLECTIONS REGARDING A SECOND MORTGAGE ACCOUNT XXXX The above named SLS charged off a second mortgage account in XXXX reported it to all reporting ( XXXX, XXXX and XXXX ) credit bureaus as charged off Collections However since XXXX SLS has been collecting a charge off account as an active account plus charging additional fees to a charge off mortgage account. This has adversely affected our credit scores due to the derogatory reporting. 
XX/XX/XXXX we pursued to refinance our primary mortgage that is when it was brought to our attention to explain a write off charge as reported by SLS organization. FYI we monitor our credits reports yet SLSs this incorrect reporting was not visible to from all 3 reporting ( XXXX, XXXX and XXXX ) company. 
XXXX XXXX, We contacted SLS via phone XXXX to raise concern on the incorrect reporting. Customer Care Representative Mentioned an internal review with the collections department will performed and provide reason why a charge off account was still billed as active account From XXXX till XXXX {$9500.00} plus additional late fees XX/XX/XXXX Contacted SLS on status update Customer Care Representative. mentioned that on XX/XX/XXXX the issue was corrected however no supporting evidence was provided as SLS does not provide any follow up documentations XX/XX/XXXX SLS due to incorrect reporting and unresponsive process from SLS still has not resolved the incorrect reporting of a charge off account affecting the interest rates on new loan and the refinance mortgage process Request that SLS refund all charges from XX/XX/XXXX to XX/XX/XXXX for incorrect payments taken from us, update all credit bureaus with correct status of account plus the XXXX XXXX XXXX and provide written proof of corrections I look forward to your reply and cooperation to resolve this matter as requested. 
Sincerely

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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 18USC 1028a Aggravated identity theft 15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made several attempts to protect my identity but there is someone using my information to open lines of credit and loans. There is a new account in my name called XXXX XXXX XXXX which states i owe {$600.00}, their contact information is XXXX address XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX. I never opened this account, i do not have in my possession this credit card, i did not authorize for it to be opened at all.

Company response to consumer: Closed with explanation