BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account online and then I received a letter stating my account was being closed because of the closure of a previous Wells Fargo Account.The account they are referencing was fraudulently opened by Wells Fargo and they acknowledged this by removing the account from my credit report. 

Wells Fargo assisted in Fraudulently opening account ( s ) in my name. They were aware this was wrong and they allowed it to happen anyway. Once I learned about it, I jumped through the hoops placed in front of me by Wells Fargo. Did what was expected of me to resolve the issue that Wells Fargo created. Now I am being punished by not being allowed to have an account simply because I notified regulators and this bank is using retaliatory measures against 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 2018-10-07
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started receiving robocalls a few days ago from an outfit called Commonwealth Financial which I ignored because I have no outstanding debt with any party. Now they have dinged my credit by 100 points and I am livid! I do not recognize this debt or this company and they have many fraudulent marks against them online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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. 
XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-09-03
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
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: Account status incorrect

Complaint:
Starting in XXXX my mortgage was put on the CARES act forbearance due to financial struggles. My credit score dropped by 50 points because of this. The CARES act provides protections against negative impacts on credit scores due to forbearance. I have contacted my mortgage company multiple times regarding this issue and it still has not been resolved.

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 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX  opened on XXXX XXXX XXXX  with a balance of {$0.00} -This is not 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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
The student loan was taken out fraudulently pay under my name. Both subsidized and I subsidized loans were taken out in my name totaling almost {$5000.00}. I did not take out any type of student loans and ever since finding out in XXXX Ive been working to get them removed off of my credit. It removed from XXXX bureaus because it was verified they were my account except on TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion allowed fraudulent credit inquiries on my TransUnion credit report. I am requesting these to be blocked I am a victim of identity theft. These are the result of ID theft. XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX  were not authorized these are the result of identity theft please block this inquiries these are fraudulent. I did not authorize these.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: LoanCare, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Property Taxes/Ecsrow Account Delinquent due to non payment by LoanCare. I mailed my Property Tax Statement to LoanCare on XX/XX/XXXX. As of XX/XX/XXXX, my property taxes still have not been paid. I have called numerous times, emailed customer service numerous times, have been told that the payment will be mailed by " Friday '' numerous times and they STILL have not paid my property taxes!! I have attached my documentation of phone calls and conversations with dates and names of people that I have spoken to. I am very dissatisfied with the service of LoanCare!!

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 2018-02-07
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was never served by this company. They pretended to serve me in order to obtain a default judgment on a debt that was not mine. They are crooked and unethical and have tried attaching bank accounts of mine to try to collect debt that is not mine. Years ago, I retained a lawyer for this matter who obtained an agreement from them to stop illegally pursuing me. 


THE BEST SERVICE COMPANY Inquired on XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2019-06-05
Company: Commonwealth Financial Systems, Inc.
State: MA
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 received a notice about my credit report with a debt on there that did not look right. Tried to call the company and speak to them directly and the phone number provide is no longer in service. I would like to get this removed and investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection is not from the orginal creditor XXXX, the current creditor I.C. Systems, at XXXX XXXX XXXX XXXX XXXX, MN XXXX. They have been sending harrassing collection notices via email, mail, and by phone after the debt was sold stating that the payment was past due. I do not know this company. I have never done business with this company and they do not have a contract bearing my signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have disputed Inquiries that's on my TransUnion report numerous of times but TransUnion have not did anything. I have contacted the creditors and NONE of them have Proof that I authorize the below inquiries ( on the upload documents ). I repeat I HAVE CONTACTED ALL THE CREDITORS AND THEY HAVE NO PROOF I AUTHORIZED THE INQUIRIES. IF TransUnion have anything with my signature on it that proofs I authorize any of the inquiries I would like to have a copy of them all. If not please delete off my credit report. The inquiries is negative impacting my credit score and  stopping me from getting a mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is following my former complaint # XXXX which never was resolved. 
After the last response they provided to my complaint mentioned above, I did not get any other response despite of several efforts to contact them. 

There has not been any update, email, text message, mail, etc about this issue until on XX/XX/2023 that I realized all blocked fund in my account have been withdrawn without any description/explanation. Again after trying to reach out to any customer service representative on capital one bank, right after giving my information I got forwarded to a voice mail for litigation department and never been responded/called back by them following leaving messages which made me really concerned about a probable fraud incident. 
Finally I could get help from a helpful representatives in Capital One Cafe who talked to the litigation department over the phone on my case for me and I realized that my funds are sent to the state through " Escheatment '' process and regarding " The way the account was closed '' no one have access to any further information to provide me. 

I started to follow up with the State of california department for unclaimed properties and as as of XX/XX/2023 there has not been any report that matches with my information or even there has not been any reported amount of funds that matches my case. 

I need to be given below information. 

- To which state my funds is sent out, The date submitted, The name reported as the owner of property, the exact amount, the standard " property type '' code used in report and any other information that I need to locate/find the case and claim it. 
- The outcome of the investigation and the reason and the law/legal basis that is practiced to take final measure which was " Escheatment ''. 
- The reason why I have not been responded back in any manner, If I am a red flagged customer that should be transferred to the litigation department, I still need to be provided with some " Answers '' or " Clarification '' on my situation somehow instead of being flagged and blacked out. If I have committed any illegal action, I need to be forwarded to court or any other legal authority based on law, otherwise my rights as a citizen should be fulfilled. I need to be informed the laws and legal basis that I got blacked out based on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
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: Account status incorrect

Complaint:
I have an investigaton with CFPB involing XXXX on my equifax I have paid aall payments ontime except when I was hit by two natural Disastersh hit Equifax says they need more time to investigate this I feel Equifax should change XXXX to Current never Late on my Equifax credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
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:
On about or about XXXX 2019 I applied for a new loan with XXXX XXXX, they denied my loan but sent me to One Main they might help! I applied and was subsequently denied by One Main.Since then everyday i was getting letters from One Main saying my loan was denied and that i could request specific reasons Up until today i disregarded these multiple emails Today I received another email saying my loan application was denied TODAY I made no such application .Once i realized what they were saying I called ONE MAIN i was treated rudely They refused to let me speak with a supervisor.They said the application was made in my name with my real social security number.and then they hung up I contacted XXXX XXXX they said there was nothing they could do .If they realized my personal information or did not protect it that must be rectified.XXXX XXXX said they are investigating it.XXXX XXXX should be held accountable for partnering with a scam lender

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been trying for over 5 weeks to work with XXXX XXXX to transfer my health savings account balance from XXXX XXXX XXXX to XXXX XXXX XXXX accounts. I have called them multiple times and have been given incorrect information how to transfer my funds. 2 reps told me I could do it by calling and they inform me it will take affect within 24 to 48 hours. However when check my balances it is still not done. I call back and they tell me the transfer did not go through due to errors on their end. Other reps tell me I have to complete and mail back forms which I have also done. Then when I call I am told they have no record of me sending forms. I need your help in resolving this issue and I have run out of options dealing with XXXX XXXX for a simple funds transfer request.

I do not have access to my funds which I need for medical treatment for over 5 weeks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Experian Information Solutions Inc.
State: AR
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:
I have been showing three hard credit inquiries on my credit report with all three major credit agencies including XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, with XXXX credit reporting ... ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX with XXXX Credit Reporting agency and XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX all with Experian Credit Reporting Agency.I have never filled any applications out with these companies nor have I ever provided a authorized signature with any of these companies to run my credit as these need to be removed from each credit agency accordingly and in conjunction with the FCRA.Will you please help me get these removed from all three credit reporting agencies as I did not authorize any of these inquires? Thank you for your help and time in resolving these matters. 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 2019-10-29
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I just filed a few minutes ago about the same company. I didn't realize they already took payment for one of my accounts for the XXXX and another for the XXXX in the amount of {$30.00} when they already took {$110.00} out my account to catch up past due balance.

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 2020-09-11
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX : Application and deposit of {$500.00} submitted for home mort refi. 
-Terms : 3 % ; no points, no PMI, Close in 30-45 days. 
-Appraisal report contained factual errors and omitted information that placed property significantly below similar units, negatively impacted LVR. 
-Submitted a request for appraisal reconsideration along with supporting info on XX/XX/XXXX ; told it would be a five day turnaround. 
-Communication basically stopped at that point, no response back regarding results of reconsideration or application process updates. 
-Multiple voice mails/E-mails sent from XX/XX/XXXX to XXXX to several AMERISAVE points of contact and customer service With no response re updates. Review posted on XXXX XXXX, call from AMERISAVE on  XX/XX/XXXX. Informed that the reconsideration was denied and told my options would all include significant cost increase ; no report or paperwork sent re the reconsideration denial. 
-Requested deposit refund due to to deceptive practice, appraisal with errors, unacceptable customer service/communication and inability to use my 14 day grace period following a hard credit inquiry to f/u with other companies due to their delays. 
-AMERISAVE Manager XXXX XXXX was rude and condescending and said we dont have any control when I again requested my deposit be refunded. 
-Filed a XXXX complaint against AMERISAVE on XX/XX/XXXX : Case ID:XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief