BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-09
Company: WELLS FARGO & COMPANY
State: CT
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:
Several months ago, I had credit cards lowering my balance and marking me late. I fought it and submitted payment, and. XXXX XXXX never paid while living in marital home, I uploaded decree, they clearly dont care I do not owe XXXX in mortgage I have a small equity loan of {$30000.00} left from {$80000.00}. Problem with CT XXXX XXXX   XXXX XXXX AND XXXX XXXX, We hired an investigator which I paid for his belongings where there until 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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX I disputed the completeness and accuracy of a trade line being reported to my credit report. I was requesting account level documentation stating my agreement to do business with XXXX XXXX. I also sent a letter to the Credit reporting agency to remove the incomplete or inaccurate information. Neither company complied to my request. Instead XXXX  XXXX wanted me to send them supporting documentation for my request. 
I requested with a second letter to XXXX XXXX to do another investigation and another letter to Transunion and XXXX  to reinvestigate the request.

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 2020-01-30
Company: Early Warning Services, LLC
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX Account ending in XXXX is showing my Account as Overdrawn when it was not and damaging my credit report. I was always current with my Account and my Account was never overdrawn. Bank should correct this mistake right away as mentioned in the file attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 I noticed a large charge for {$1800.00} was removed from my account for a company, XXXX XXXX, XXXX. I immediately knew this was a fraudulent charge because I live in XXXX, CA. and this company is only in XXXX, Florida. I tried reaching out to the company first. The company has no website and no known contact information. So, I immediately ( that same day ) reached out to our bank, Golden 1 Credit Union, to file a fraud claim investigation. I was told that Golden 1 would issue a temporary refund while the investigation completed. Months went by and Golden 1 never reached back out to me, nor did they keep me up-to-date on the investigation. On XX/XX/2021 I received an email telling me that Golden 1 concluded their investigation and found that the charge was correct. This is absolutely untrue. I called Golden 1 Credit Union immediately on Friday, XX/XX/XXXX asking to see the " proof '' they had that this charge belonged to me. They told me they would provide that but could only do so by sending me it through the mail. I waited, and as of today, XX/XX/2021, I have not received ANY proof from their investigation. I, once again, spoke to someone today XX/XX/2021 and am being told there is " nothing else we can do ''. Golden 1 is taking back the {$1800.00} on Friday, XX/XX/XXXX. This is completely wrong. The bank has refused to work with me on proving this charge was made by me or my wife. This company only does business in Florida. I have never been to Florida. 
I was finally able to find a phone number for this company and called it five times. I only get two spanish speaking individuals and when I mentioned my name and that I was calling about a fraudulent charge they immediately hang up on me. 
There is NO WAY that Golden 1 reached out and spoke to this merchant. If they did they would have immediately realized this is fraud. How can I be responsible for {$1800.00} when I NEVER made this purchase?

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 2017-09-14
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: Personal information incorrect

Complaint:
To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XXXX/XXXX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Experian Information Solutions Inc.
State: OR
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:
XX/XX/XXXX inaccurately reported me late 30 days in XX/XX/XXXX on an account I asked to be closed XXXX and was paid off XXXX in XX/XX/XXXX. They continued to charge me monthly fees totaling {$44.00} and I was notified of these charges in XX/XX/XXXX ( I never received statements by mail or email regarding these charges XXXX. 

I contacted XX/XX/XXXX and they agreed to remove the 30 day late on my credit report and credit my account in full and close my account. I have asked all three credit reporting agencies - Experian, XXXX XXXX and XX/XX/XXXX- to correct my credit report and after 30+ days this still has not happened. Ive provided documentation from the creditor stating they are removing the balance and 30-day mark, and contacted the creditor twice to make sure this is the information being passed on in my dispute. Completely frustrated at the mark on my credit which dropped my score in the middle of trying to purchase a home.

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 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
XX/XX/XXXX inaccurately reported me late 30 days in XX/XX/XXXX on an account I asked to be closed XXXX and was paid off XXXX in XX/XX/XXXX. They continued to charge me monthly fees totaling {$44.00} and I was notified of these charges in XX/XX/XXXX ( I never received statements by mail or email regarding these charges XXXX. 

I contacted XX/XX/XXXX and they agreed to remove the 30 day late on my credit report and credit my account in full and close my account. I have asked all three credit reporting agencies - XX/XX/XXXX Trans Union and XX/XX/XXXX - to correct my credit report and after 30+ days this still has not happened. Ive provided documentation from the creditor stating they are removing the balance and 30-day mark, and contacted the creditor twice to make sure this is the information being passed on in my dispute. Completely frustrated at the mark on my credit which dropped my score in the middle of trying to purchase a home.

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 2018-10-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
HSBC and another party involved has called me, threatening to sue me, seize my property, contact my employer, garnish my wages, and put me in jail for a credit card that I had supposedly opened in XX/XX/XXXX and made a last payment inXX/XX/XXXX. I do not recall ever having this credit card, nor did I have any unpaid credit when my credit reports were ran when I recently bought a house. They said that in XX/XX/XXXX my balance was a little over {$700.00}. But now with interest my balance is now well over {$1000.00}. But if I pay them {$800.00} now, like right now, they will not proceed with legal action. They can not give me any or much information, and just kept asking me weird personal questions about my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
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:
I have contacted these companies on why my report was pulled without my authorization and they state they can not give me any information. These include XXXX on XXXX, XXXX XXXX on XXXX, XXXX and XXXX, XXXX on XXXXand XXXX, XXXX XXXX XXXX on XX/XX/XXXX and XXXX, XXXX XXXX XXXX on XXXX, XXXXXXXX XXXX XXXX on XX/XX/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 2023-02-10
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a HELOC and when I went to my closing it was brought to my attention the processor, XXXX was her name, added a discount where I was told to accept it and just pay it back the next day. Its what all our customers do they said. I was unaware that I would be charged interest and was not happy when I saw the bill. I went to the branch and the manager said they would waive it for me and report the young lady who deceived me and baited me into taking the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: IN
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 am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I also have no knowledge of obtaining any of the inquiries listed here. 
XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fraudulent Inquiries XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX Date of XXXX XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX  Date of Inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Resurgent Capital Services L.P.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX is in violation of the fair credit reporting act they removed an account that didnt get verified than put it back on my credit report they are in violation reporting both of these XXXX XXXX accounts on my credit report after they were removed and if these items arent removed i can sue for XXXX $ per account. i ask that you the cfpb help me get these accounts removed because they are in violation of the fair credit reporting act I have provided documents below

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/XXXX I submitted a complaint to this agency as well as inquired to my mortgage servicer SPS as to why they filed paperwork to start foreclosure procedures and added that to my mortgage balance on XX/XX/XXXX even though they had given me a letter stating I had until XX/XX/XXXX to make a payment. I also submitted a QRW to them in XXXX inquiring as to why they were sending my payment of {$410.00} back, but did not send my {$4000.00} plus of payment I made all of XXXX even in a forbearance period and during a pandemic. I have yet to receive a response from them regarding either matter. My attorney has attempted to reach out to them with no response as well. We have started bankruptcy procedures. I am a single mother of 3 children and will be homeless. Even though I have been making payments and those payments were accepted and applied even during a nationwide pandemic in which I was impacted. I was impacted during COVID-19 and have attempted to reach out to them. They have yet to respond in writing. When my " relationship manager '' called me I asked her to respond in writing she hung up on me. I have that recording of that call as well and can provide it in a court of law if needed. 

I have also asked them who was the owner of my loan and they insist it is XXXX XXXX, but when asking XXXX XXXX, they say they are not. When I inquire about the mortgage assignment that is attached to my note of a handwritten document that finally attached after they attempt two times before to foreclose without an assignment. They have yet to provide an answer. The notary and the " manager '' who signed that assignment has given testimony and willing to testify in court about that document. The " manager '' says she was never a manager with the company of XXXX who was the original owner of my mortgage. That company went out of business in XXXX but the assignment was filed in XXXX with the XXXX XXXX XXXX XXXX XXXX in XXXX after the company had already closed. And after the date of the proposed assignment. 

I also sent SPS a letter stating that another company sent me a letter saying they had bought my mortgage and I made payments to them. I am not sure if that is accurate as I can not reach them and I am out that money. 

SPS and their parent company XXXX XXXX have been preying on borrowers and the American people for years. Court filing after court filing even with the the Department of Justice can prove that. 

They are not honoring a forbearance and relief period granted by the United States government.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has added a bill, a cell phone to my bill, I have never ever, had a XXXX cell phone, I have A XXXX  PHONE AND SAME NUMBER FOR OVER 6yrs, I have disputed, on credit bureau, I have disputed, it in writin, Zi have asked the to validate the debt, they said it was done over the phone, I am an XXXX Veteran XXXX, On a fixed income, they call, I explained to them, that I have no knowledge of this debt, and please stop contacting me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Report provided to employer without your written authorization

Complaint:
A creditor may not treat a payment on credit card account under an open end consumer credit plan, as late for any purpose.

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 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 confidentiality under 15 UCS 1681 Account name Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights 15 u.s.c. 1681 section 602 a right to privacy 15 u.s.c. 1681 section 602 a section 2 also states that a consumer reporting can not furnish account without written instructions 15 u.s.c 1681c. ( a ) ( 5 ) 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 ) Reporting information with actual knowledge of errors 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 2019-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was about to purchase an XXXX train ticket online for XXXX travel. An offer popped up to apply for an XXXX credit card and receive multiple points for the ticket I was about to purchase. I filled out the form and received the message back, in effect, " sorry, but your application was denied ''. I proceeded to purchase the ticket with another credit card. I went out of town on XX/XX/XXXX, and have not returned home since due to medical reasons. On or about XX/XX/XXXX I logged into my Bank Of America credit card account and was astounded to see an XXXX credit card account! Of course, such an account was not opened or authorized, as the single time I filled in information to apply, the application was denied. And the account appeared with a balance, which of course was wrong since I never used a nonexistent account! I called Bank of America and spoke with a seemingly helpful rep who apologized and confirmed he would immediately zero out the account and delete it as if it were never opened, as of course it should not have been. Fast forward to yesterday, and I logged in to my Bank Of America account to confirm the error was rectified and account disappeared, only to find the account is STILL listed, with a balance. I engaged in an online " chat '' with a representative who again promised to rectify the error by zeroing out the account, permanently deleting it from any association with me. But I just checked, and it is still listed. This situation has now cost me hours of time and more importantly severe aggravation.

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 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

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