BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
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: Public record information inaccurate

Complaint:
On XX/XX/2022, I sent a letter a letter to the courthouse asking do they report bankruptcies to the credit reporting agencies and I received a letter stating They do not report any bankruptcies to anybody. So if that the case, how did the consumer reporting agencies verify my bankruptcy as 100 % Accurate. The never did a fair investigation according to the 15 U. S. Code 1681.

15 U. S. Code section 603 ( 3 ) ( E ) states : The term Investigative Consumer Report means a consumer report or portion thereof in 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 whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Also, they have violated my rights numerous times. The consumer reporting agencies have violated my rights under 15 U. S. Code 1681.

According to 15 U. S. Code 1681 section 602 A states I have the right to privacy. 15 U. S. Code 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-21
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was originally serviced by XXXX as a construction mortgage. Since then my mortgage was purchased numerous times and the current mortgage holder is Wells Fargo. I believe at this point that Wells Fargo is fraudulently foreclosing on my property. They do not provide me written documentation but claim that they will be removing me from my home on XX/XX/2016.

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 2023-07-25
Company: EQUIFAX, INC.
State: NY
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 response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is regarding my Citibank AAdvantage Platinum Credit Card. 

There was a company I had transactions with prior to XX/XX/XXXX. Sometime between XX/XX/XXXX and XXXX XXXX of XXXX, I had lost my card and noticed this within the next few days, at which time I called Citibank to report my card lost or stolen. There were 12-18 charges made between XX/XX/XXXX and XX/XX/XXXX on this card by this single merchant. When complaining to Citibank, they originally marked it down as fraudulent, some as dual charges, overcharges, or have not received the service. All of these were marked incorrectly and I therefore had to call back 7 documented times to report that these were UNAUTHORIZED charges and should therefore be removed from the account. Citibank has gotten responses from the merchant that there is verification of a charge. After reviewing the responses with Citibank, it was determined that there is no proof I made the charges, rather that my card was simply used. I was also informed that since Citibank did not document the dispute properly that I have a higher chance of losing. I spoke to people in group ID XXXX to discuss. One of those spoken to was XXXX who had promised to fix it all on XX/XX/XXXX. 3 more calls had to be made afterward and nothing has been resolved. Currently Citibank is charging me for over {$4000.00} of charges that I have not made. My response was to please prove that I personally made the charges being that there will be no way to prove it being that it wasn't actually me. Citibank at one time had the merchant on the phone on XX/XX/XXXX. Citibank was ok with the questions the merchant was asking such as : what is your social security number. This is all on the recorded call on that date. I do not believe a merchant has a right to ask that, nor do I believe Citibank should agree with such action. 

Overall, Citibank has treated me horrendously through the process and I am looking for some way to challenge these charges and not have to pay for charges I have not 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 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Problem with personal statement of dispute

Complaint:
Recently I submitted a complaint about a collection account on my credit report. After disputing the account I believe that XXXX XXXX  XXXX  has violated hipaa law and has violated my rights. I will attach some files that back my claim. Hipaa law protects people like me from unlawful medical information. The following is the collection account information. 

ACCOUNT : XXXX XXXX XXXX Collection Account number:XXXX  Open Balance : {$4900.00} Date opened : XX/XX/2021 Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( 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 2019-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I would like to withdraw all other complaints against this company that I have previously filed and replace them with this one.I have told this company NUMEROUS times to STOP contacting me by phone and they are not respecting that. I am still getting phone call after phone call every day. It has been over a month now.They are also disobeying THEIR "cease and desist" they told me they had on the account.They sent my account to a lawyer on XXXX. They told me THEY as well had a "cease and desist" from XXXX onwards. The harassing phone calls started on XXXX.The lawyer sent me a letter saying that it was "closed" on their end and it was "sent back to the client" (Capital One), XXXX. I was now to contact them.Capital One has no respect for anyone and their lives. They have no comprehension of the mental cruelty and abuse they put on people by sending them to a lawyer!!!I want NO RESPONSE from them unless they are willing to settle or remove the debt completely. I'm sick of their excuses and explanations.NO MORE PHONE CALLS FROM THEM. NO NORE PHONE CALLS FROM ANYONE THEY HAVE GIVEN MY NUMBER TO. I WILL NOT speak to them by phone. I Don't know what else to do to get them to understand and stop!There is nothing they need to "verify"----especially calling 7 times a day and abusing people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX of 2022 I purchased an annual subscription to XXXX via XXXX XXXX. On XX/XX/XXXX my account was compromised due to fraud and I was locked out of the service. Neither XXXX nor XXXX was able to resolve access so XXXX told me to cancel my subscription which I did. I requested a refund for the pro-rata of the remaining ~9 months which I had paid for, approximately {$70.00}. XXXX advised me that my annual subscription purchase was outside their 60-day refund window and refused to refund anything. 

The issue is that XXXX encouraged me to sign-up for an annual subscription vs. monthly by providing a better rate. I had a good-faith expectation that XXXX, through it's subscription service, would be able to provide me access through the term of my subscription. XXXX failed to provide that service and hides behind the 60-day refund policy. That's unacceptable to me. 

I've filled out all of the surveys and escalated to Apple Card, the credit card arm of XXXX. I've escalated to their senior advisors and they even agree that I'm right, but are unable to do anything, so I ask that the CFPB look into this practice for the countless other people that may have had the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo lost my request in 2011 for help when I thought I would not be able to pay for my home loan. PLEASE HELP find it. 
It was sent to XXXX XXXX at Wells Fargo.

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 tried disputing this account for over a year to get it removed from my credit reports. This is for XXXX in the amount of {$9600.00}. I was fraudulently added to this account as a co-signer I have been trying since XX/XX/2022 to get this removed.

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 2021-03-05
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
HI, The First bankcard close the CC account with no reasons based on false assumptions andI think this is a discriminatory measure and would like to ask you to initiate an investigation, as there are no reasons or motivation for this action. I can attached or send you the document where they explain their decision, that is completely wrong and based on false assumptions and conclusions.

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 2023-06-09
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
They incorrectly charged overdraft fees on debit withdrawals, as well as having money unfairly frozen if Wells Fargo suspected a single deposit was fraudulent multiple times. When trying to access or deposit larger amounts of money ( ex : {$5000.00} ) my money was frozen or denied access for deposit without me giving them the purpose of how I was using my own money, this example was approximately XXXX to XXXX of XXXX. On multiple occassions, the same debit/credit withdrawal was withdrawn duplicate times at once causing overdrafts in my accounts/and multiple overdraft fees that then caused negative account balance to be greater and bills that auto-deduct coming out caused more overdraft fees.

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 2022-07-14
Company: Experian Information Solutions Inc.
State: MI
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 am a consumer and natural person with a right to privacy, confidentiality, and fairness. In accordance with the Fair Credit Reporting Act, the consumer reporting agency has violated my rights with accounts listed on my consumer report : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - 15 USC 1681 ( a ) ( 4 ) - As the consumer, I have a right to privacy. 15 USC 1681a ( 2 ) ( A ) ( i ) - A consumer report does not include transactions or experiences between the consumer and person making the report. 15 USC 1681a ( 2 ) ( B ) - A consumer report does not include any authorization or approval of specific extension of credit, directly or indirectly by the issuer of a credit card because it is used to obtain an extension of credit. 15 USC 1681b ( a ) ( 2 ) - A consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681e ( a ) - A consumer reporting agency, shall maintain reasonable procedures and limit furnishing of my consumer report under 15 USC 1681b. 15 USC 1681e ( b ) - A consumer reporting agency shall follow reasonable procedures to assure the maximum accuracy of information on my consumer report. 15 USC 1681e ( e ) ( 1 ) ( B ) - My consumer report can not be procured for the purposes of reselling information without my written instructions. 15 USC 1681g ( a ) ( 1 ) ( A ) - A consumer reporting agency must disclose all information on my file, clearly and accurately to 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 2018-05-16
Company: FIRST HERITAGE CREDIT LLC
State: MS
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: Investigation took more than 30 days

Complaint:
On XX/XX/2018 I received a call from 1st heritage asking if I wanted to take out another loan. I told the representative no if it was going to report as an hard inquiry, she said no its going to report as a soft inquiry its not going to effect your credit at all. I had been receiving calls during the previous weeks as well and I was declining the offer. So after the call was done I had an alert saying that it was a hard inquiry on my report. I contacted the company explaining that it was a hard inquiry instead of a soft likebshe inquired. I spoke with the manager XXXX because she overheard the whole conversation where the representative said it would be a soft inquiry. I have been waiting since XX/XX/XXXX the day it occurred for the issue to be fixed and it still hasnt been removed. I followed up on XX/XX/2018 to see how the process was going cause I hadnt heard from the company in weeks. I was just contacted by the company this morning XX/XX/2018 telling me to dispute it but the information I was giving was wrong. I contacted transunion I was told to get a letter of deletion from the company. I contacted the company to let them know exactly what I was told about the letter of deletion. I just want the hard inquiry removed because I was given false information from the representative and not only did she tell me wrong information the manager heard her as well. I dont understood how this process hasnt been resolved if she heard exactly what the representative told me. Please remove this hard inquiry from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
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:
In accordance with the Fair Credit Reporting act. The list of accounts belowhas 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 XXXXN # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX, XXXX XXXX # XXXX  Has violated my rights.

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

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not funish 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 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 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: WI
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/XXXX I contacted Experian about the following negative accounts XXXX XXXX ( XXXX. XXXX, XXXX, Balance {$14000.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$10000.00} ), XXXX XXXX XXXX ( Date Opened XXXX, XXXX, Balance : {$22000.00} ), XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1200.00} ), XXXX XXXX ( Date Opened : XXXX, XXXX, Balance : {$600.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX : {$1000.00} ). XXXX XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$1500.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2021-07-01
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
experians upload service when i input experian report number XXXX times out and suggests mail. 
this evidence attached will resolve cfpb XXXX and XXXX against experian ; also all disputes on XXXX account number XXXX and cfpb complaints XXXX against XXXX XXXX XXXX and cfpb XXXX against XXXX credit mgt. 

XXXX is using changed account numbers to avoid the deletion of their collection account.it is creatively intentional as they try to extort monies, avoiding what account is described by the attached document, the same account they agressively try to collect for.

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 2021-02-17
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
THERE IS A ACTIVE DISPUTE ON A CHARGE FROM XXXX XXXX  IN XXXX XXXX  XXXX TX. 
I CALL THE BANK AND SHARED WITH THEM WHAT HAPPEN. 
THEY SAID CONTACT THE MERCHANT SO I DID. 
I ALSO FILED A COMPLAINT WITH THE CORP HEADQUARTERS FOR THE RESTAURANT. 
I HAVE HEAD NOTHING BUT HARD TIMES DUE TO THIS ON GOING ISSUE. 
MY CARD WAS CANCELED AND THEY REISSUED ANOTHER CARD WITH OUT TELLING ME THIS WAS HAPPENING. 
I LIVE OFF MY CREDIT CARDS AND THESE PEOPLE KNOW THIS AS THEY CAN SEE THE USAGE. 
XXXX IS THE MANAGER I SPOKE TO TODAY AS I HAD THE CALL ESCALATED. 
I WAS ANGRY AS I AM TRYING TO GIVE THEM THE PROOF THEY NEED FOR THE COMMUNICATION WITH XXXX. 
I WAS NOT ABLE TO LOAD TO THE MESSAGE CENTER.. 
TO HAVE A MANAGER HANG UP IN MY FACE IS BS! I AM CALLING FOR HELP AND TO FIND ANOTHER WAY I CAN FORWARD THE EMAIL OR SEND THE PROOF OR GO TO THE BANK IT SELF AS I WAS TOLD IT WAS OPEN. 1 HOUR TO DRIVE THERE AND ITS CLOSED! 
I HAVE AND DONE ALL IN MY ABILITY TO MAKE THING RIGHT AND GET YOU WHAT THEY NEED BUT ALL I CAN SAY IS I AM HUNG UP ON BY THE MANAGER. 
TIME OF THE CALL CENTRL TIME XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation