BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2018 I submitted one letter to each major credit bureaus via certified mail for the unauthorized hard inquiries on my report. Each bureau stated I must contact each furnisher of each individual inquiry without a proper investigation to determine the inquiry accurate.

However, according to law I have a right to a fair investigation to be conducted by the credit bureaus reporting information on my credit file from creditors.

Each inquiry remains unverified because no direct contact to the furnisher was made.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX and 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 2020-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been trying to open an account in different banks for more than 1 year and they won't let me say that I have something negative in the reports of the bank bureaus. 

I really do not know exactly where the topic comes from, however, the one who closed an account on one occasion was Bank of America due to a suspected fraud. 

There are two or three big banks that have special " Second Chance '' accounts and they also deny them to me. 

If this comes from Bank of America it is very unfair what is happening because I remember that someone deposited a false check in my account and I do not remember the amount at the moment, but less than 5K but they did it in another city I think I remember what happened in XXXX But I never used those funds because I told my bank executive myself that I was not expecting that deposit, I never knew who did it, they simply closed my account with no option to defend myself. 

But if this is the reason that they do not open accounts, it is very serious because it was not my fault, rather I should claim BOFA as it is that someone I do not know can make a deposit in my account without my authorization and be me the great injured.

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 2023-10-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
There is too much information to include in this questionnaire. I ended up doing a short sale with some shady real estate broker. I had listed the house for sale and when the closing date was coming up, I was informed that HUD had a lien on my home. I was unaware of this. Did they include this information in the book of paperwork they sent me to sign? Perhaps I'm not a paralegal or a lawyer and relied on the Wells Fargo Employee to inform me of details beyond a basic modification. I did not see it I was not informed about this when speaking with the Wells Fargo representative who was handling my LOAN MODIFICATION. This company is taking money from the government with no repercussions. It's despicable.

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 2023-09-18
Company: EQUIFAX, INC.
State: TX
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
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:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

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 2023-10-02
Company: Genesis FS Card Services, Inc.
State: MD
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:
It was brought to my at attention XXXX  XXXX XXXX under section 1681s-3 has by law has not ask for my permission to share my utilization of credit to XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

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 : Capitol One # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : AMEX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/23 I sent out a letter stating I was in total disagreement with this company 's investigation response. Nordstrom/TD account # XXXX the alleged account is listed as a collection with A PAST DUE BALANCE OF {$1300.00} This is a violation of requisite XXXX XXXX  Compliant Reporting standards. Please remove this inaccurate information from my credit report as it is affecting me negatively.In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I demand that they provide actual proof the information was verified not computer generated confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was scammed by a seller on XXXX XXXX. The seller stole XXXX dollars and never sent the item. I tried to dispute the transaction, giving my bank as much information as needed ( pictures tracking numbers, screenshots ) and was denied and told to dispute the option with the seller. The seller has blocked me on all platforms and denied my refund request, so I am unsure of what to do.

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 2018-08-13
Company: EQUIFAX, INC.
State: GA
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 HAD PREVIOUSLY SEND IN A CERTIFIED AND NOTARIZED LETTER TO THE CREDIT BUREAUS IN REGARDS TO INQUIRIES THAT WAS NOT AUTHORIZED BY ME. I ALSO SENT IN A IDENTITY THIEF AFFADAVIT AS WELL AND WAS STILL IGNORED THE CREDIT BUREAUS ARE IN VIOLATION OF THE FCRA IN REGARDS TO IDENTITY THEFT. THEY DO NOT EVEN READ THE DOCUMENTATION THAT I SENT TO THEM IT GOES SOMEWHERE IN A FOREIGN COUNTRY SOMEWHERE. I I JUST FOUND THAT OUT THEY ARE SENT TO SOME FOREIGN COUNTRY SOMEWHERE AND THEY DO NOT EVEN TAKE THE TIME TO READ THE CERTIFIED DOCUMENTATION THAT I TOOK THE TIME TO TYPE OUT THEY JUST KEEP SAYING THAT THE INQUIRIES HAVE BEEN VERIFIED THEN I ASK FOR VERIFICATION OF THE INQUIRIES AND THEY NEVER SEND ANY VERIFICATION BACK TO ME WHICH MEANS THEY ARE SUPPOSE TO DELETE THESE INQUIRIES IF THEY DO NOT HAVE SUPPORTING DOCUMENTS PROOF

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Chime Financial Inc
State: DE
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 had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section 602 A.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Genesis FS Card Services, Inc.
State: SD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On my milestone Mastercard account i did have credit protection and i see it was canceled due to non payments back in XXXX XXXX XXXX XXXX 
This past summer i was reduced to part time hours and took a major cut in my take home pay due to XXXX  time hours. 
I seem to recall that i did ask about this when the XXXX was starting and wasn't given the right response to my questions about credit protection. 
I am however catching up on the missing payments as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My ex girlfriend stole my debit card and found my pin and made several unauthorized/fraudulent transactions on my account while I was hospitalized with XXXX. I was hospitalized from XX/XX/2021 - XX/XX/2021. The fraudulent transactions were made with my card from XX/XX/2021 - XX/XX/2021 totaling {$3700.00}. I have since faxed documents such as a written statement of what occurred, copy of my ID, a police report, and a hospital discharge form to US Bank Reliacard Cardholder Services. I have been denied and not given a specific reason from any of the several different customer service reps and fraud department reps I have spoken to. I have been given a different story or scenario and time frame several different times during the past 60 days with no results.

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 2022-02-09
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: Personal information incorrect

Complaint:
Over the past couple of months since XX/XX/2021, I have been trying to have the credit bureau fix my personal information that is being reported. This company never responds to my letters since I've XX/XX/2021. I will attach proof of address with my license to show proof what my current and only address has been the past XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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:
XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 I did not open any account on my own volition my information must have been recently leaked or stolen. Please close the account, and remove the inquiry from my account.

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 2018-08-13
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/18, I used the banking service XXXX to purchase {$470.00} worth of products from another individual. I determined the purchase to be fraudulent following several attempts to collect the product, one attempt being to request the product again as a different person. When the individual connected with me as a different person and tried to sell the product to me, I knew that I'd been scammed. I immediately contacted my bank - Wells Fargo, to stop the purchase or dispute the transaction. After being bounced around by two local branch bankers and three times through the customer service line, I was told that the  transfer had already taken place, and there was nothing at all that they could do for 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 2023-03-03
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In accordance with the Fair Credit Reporting Act ( CREDIT COLLECTION SERV ) ( 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, also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Security Credit Services, LLC
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:
In accordance with the fair credit reporting act. All my negative accounts have been violated by my federally protected consumer rights to privacy and confidentiality act. under 15 use 1681.

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 15 U.S.C 1681c ( a ) ( 5 ) section states No consumer reporting agency can make any consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than 7 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 the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
On XX/XX/XXXX, someone cleaned out my unemployment account ( managed by bank of america ) through an ATM. My card has never been out of my possession and I have no idea how they spoofed my card or obtained my PIN number as I'm extremely cautious. 
I reported it immediately to Bank of america, created a fraud claim and requested a new card, that I paid extra to have expedited. 
Upon receiving my new card I was unable to activate it. I was also no longer able to log in to my account online. 
Instead of investigating the fraud, Bank of America froze my account. 
They told me it was frozen by Nevada Unemployment ( XXXX  ) and that I'd have to contact them to unfreeze it. 
After hundreds of calls to the impossible to reach XXXX, I was informed by an unemployment employee that Bank of America has frozen tens of thousands of accounts, and is requiring XXXX  to verify the identity of each individual before they will unfreeze the account. BofA is overburdening an already overburdened system and leaving tens of thousands of unemployed people in an even more dire situation than they were already in due to Covid closures. 
I received a letter from Bank of America that stated simply that my fraud claim has been denied. 
I have filed a police report regarding the theft from my account, and no action has yet been taken. 
I made an effort to obtain the ATM security video from the bank of america branch where my money was stolen, but was told that because my account is frozen they can not access the info they need in order to review the video. 
I've been researching this issue and have connected with dozens of other victims ( out of tens of thousands ), and due to the timing and scope of this issue I have come to believe that Bank of America must have had a data breach sometime in XXXX that they didn't report. This caused tens of thousands of already struggling unemployed people to become victims. To cover their losses, bank of america is putting up roadblocks making it nearly impossible for us to unfreeze our accounts. 
Somebody, please! Needs to look into this and help us. Some of us have been fighting this for a couple of months to no avail.

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 monetary relief
Consumer complaint received 2022-02-09
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company ( NCA ) This company has been mailing me notices of debt, amount ( {$1200.00} ) that I do not recognize. This account has been reporting a past due balance, and is currently reporting open and inaccurately. I do not know this company and have not done business with this company nor does this company have my signature on a contract & failed to provide one.

Company response to consumer: Closed with explanation