BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Goodmorning, My entire account was access through my stolen phone I had just received my tax refund my account was wiped cleaned within a day down to {$1.00} I contacted USAA and one representative helped me with the debit card part but whoever accessed my account had a way to send a wire to an outside bank which totaled the amount of {$3600.00}. I asked for information about who it was sent to or the bank it was sent to no one could tell me because of some policy but its like if your accusing me of these things I need to know so i can contact the institution myself. I dont trust USAA because I am m not understanding how they could have let something like this happen then treating me like I am a suspect. My phone was stolen so the representative asked me questions to the nature of how can this happen if it says you logged in from your phone ( as i stated and spoke with the previous representative my phone was stolen and with a apple id all your Iclouds are contacted thats the only way that would be possible so she was like there wasn't a password on your phone I'm like no thats my business phone and my property who would think someone is going to steal their personal items. long story short i no longer trusted my funds in the bank account no one offered to help me change my information besides the first representation when I first called to report the incident. They locked my account multiple times after they put the funds back from the wire, I called in so they would know it was me wanting to process to my outside bank for verification purposes which is XXXX bank they canceled my wire after i initiated it, called me and said they are closing my account because they think I'm some part of some fraud scheme which is okay with them closing it which I was going to do also after I got my money out of their possession me being a consumer how could y'all let something like this happen and then treat your customer like their the problem. by the end of the call the man said they will be holding my funds for 60 days because it takes 60 days to close which is a lie because I closed a savings account and it was closed within that same day I need help getting my funds that are owed to me and reporting this bank for misconduct. I feel as though this is a race issue with me being young and an XXXX XXXX  and within 2 months I have deposited over XXXX inside of the account every XXXX XXXX doesn't do fraud but I wont stop here everyone is going to hear this story. That is my child 's money at the end of the day and I wont stop until he get what is owed to him. ( USAA BANK )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX I responded to an ad on XXXX to rent a one bedroom apartment and got a respond back about the apartment from a person named XXXX XXXX and confirmed he and his wife were the owners of the apartment but needed to move to a bigger place and was rentin this apartment out. 

He indicated the rent was a {$1000.00} with a security deposit of {$500.00}. He called and I spoke to him and he assured me everything was OK. I made a deposit ( into his wifes Wellsfargo account which he gave me the account details of ) of {$500.00} on the XXXX of XXXX XXXX with the anticipation of paying the remaining balance on the XXXX of XXXX and move in on that same day. I made the deposit on the XXXX and called XXXX and he informed on the call that the apartment was being cleaned, after about an hour and no call back from him I called him and he wasnt picking up my calls and eventually my calls were blocked. I realized I had been scammed. I then went to the XXXX XXXX police department to make a complain and also called XXXX Fraud line where I was informed to stop into a branch to make an official complain. I went into the Wellsfargo balance on XXXX XXXX XXXX # XXXX where I spoke to a representative named XXXX to see how I could recover my account and was told there is nothing they can do and the fraudulent account had been flagged. All I want is to recover my {$1500.00} from the fraudulent account that Wellsfargo opened.I have information of so many other accounts that Wellsfargo opened for these scammers. I have all the details of all the transactions, account information, police report and lease that XXXX sent 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 non-monetary relief
Consumer complaint received 2021-11-07
Company: EQUIFAX, 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 am a federally protected consumer who is protected by the FCRA which was writtien by congress. I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable.I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report.Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ) .Upon completion, send me a complete full updated printed copy of my entire credit report. As I understand it, there should be no charge for this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 I was notified by XXXX that my name and Social Security number were used to open a fraudulent checking account with BB & T. I immediately contacted the bank at this phone number ( XXXX ) XXXX. I filed a police report. I contacted the Federal Trade Commission and Social Security Agency to report the event. I was assured by BB & T that the account had been closed and that an investigation would take place. When I started receiving paperwork from BB & T I became alarmed and called the bank again. I was reassured that the account was closed, an investigation ongoing and that whatever communication I was receiving by mail was in the pipeline prior to any measures being put in place. I am now in receipt of notification stating that my account is overdrawn by {$200.00} ( plus late fees ) and that if I dont cover this debt a collection agency will be retained to recover this amount. I have called the bank repeatedly. I filed a complaint with XXXX ( # XXXX ) BB & T answered on XXXX stating that they were investigating and I would not be responsible for accounts not opened by me. However, as you can see with the attached -- they are still trying to extort money from me and they claim they only recently closed an account that I declared fraudulent in XXXX. This matter has been going on for over two months. This is a fraudulent way of running a bank. Please, help 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 2022-02-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX XXXX 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 XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, STATE XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-07
Company: EQUIFAX, INC.
State: AR
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:
Credit reporting agency XXXX XXXX equifax I tryed a numbers of time to sent in information on accounts that has been paid off and for them to updated them. But it seems like they are not updating them on time. One credit BREAU saying this and another one is saying differently. they are very slow correction information I submitted. 
And dropping my scores XXXX XXXX XXXX XXXX  and go up only XXXX XXXX  XXXX XXXX but when It comes to dropping they drop bad. I have been trying to purchase a house for a year since the COVIDXXXX and as you can see CREDIT BREAUS, seems to have the final say so on all loans. So sir could you look into into this for me thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid in XX/XX/2018. Please find copy of check tho this complaint. The company has yet to report this information to the 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
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:
XX/XX/XXXX I sent XXXX, Transunion and XXXX dispute letter and an Identity Theft Victim 's Complaint and Affidavit pertaining to a XXXX XXXX XXXX XXXX account and XXXX XXXX XXXX XXXX XXXX inquiries dated XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX responded by deleting all three items from my report. I never received remedy for the damages.

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 2021-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/XXXX, I received an alert that a collections account from XXXX XXXX XXXX in the amount of {$860.00} had been reported on my Transunion credit report. This collections account is not mine. I have not received a bill and have never had an account with the original creditor, XXXX XXXX. I disputed it immediately. It has yet to be removed. This is an ongoing issue with Transunion. They continue to report false information on my credit report. It is extremely stressful and I have had to dispute information through their website multiple times ; I finally froze my transunion credit report a few months ago because of the numerous hard inquiries that were not mine. Im unsure at this point if this is a case of identity fraud or an identity error on their part, but it only reoccurs with my transunion account. I have spoken with transunion representatives at length, yet it still keeps happening. Additionally, they have three names listed on my report for an unknown reason, one which states my middle initial is XXXX which is incorrect. I have also disputed this and it has yet to be 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 explanation
Consumer complaint received 2020-02-10
Company: Experian Information Solutions 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:
Prior complaint # XXXX My previous complaint resulted in XXXX XXXX XXXX replying that they will notify the credit bureaus to delete these items from report but it could take 60 days for them to update their records.

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 2022-03-30
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-03-14
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: IN
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2021-11-07
Company: Experian Information Solutions Inc.
State: VA
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:
A number of personal incorrect information such as Name, address, phone number, on my Credit repot

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 2021-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
A number of personal incorrect information such as Name, address, phone number, on my Credit repot

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 2017-08-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received an alert in regards to my credit report that changes were made on my credit report and inquiries were made on my credit report. The following information below is fraudulent inquiries and changes that were made on my credit report without my knowledge.
INQUIRY - XXXX - INQUIRY MADE ON XXXX-17. I HAVE NEVER MADE AN INQUIRY TO THIS COMPANY. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT.
THIS FRAUDULENT INFORMATION THAT IS ON MY CREDIT REPORT IS MAKING MY CREDIT SCORE GO DOWN. I WANT MY CREDIT REPORT CORRECTED IMMEDIATELY AND A FRAUD INDICATOR PLACE ON MY REPORT. IT MAKES NO SENSE HOW THESE CREDIT REPORTING COMPANY WILL PUT ANY AND EVERYTHING ON YOUR REPORTS AT ANY GIVEN TIME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19
Company: Verisk Analytics Inc
State: MO
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:
I have disputed the inaccurate Bankruptcy on my Credit Report at all 3 Credit Bureaus and LCI Consumer Center and it continues to report on my credit reports. 

LCI Consumer Center has not responded to my dispute, and the Credit Bureaus continue to report the Bankruptcy that I never filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: WI
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
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:
Box XXXX : ATTN Fraud Department : Remove fraudulent accounts from my credit report.

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 2022-02-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2017-10-30
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was laid off from work. 
I applied and was approved for an Unemployed assistance loan from KYHC. 
On XXXX XXXX and XXXX, I received an email and a phone call from a XXXX XXXX with XXXX regarding my " inquiry '' for mortgage assistance. After the second time I called XXXX XXXX and asked where he got my name as I had not made any inquiries. He responded with - are you with Ocwen? I said yes - he said we buy leads from Ocwen on troubled or delinquent files!!!!! I asked to be removed from his list. I checked his name and he is not listed with NMLS or BRE. 

At that time I called Ocwen and spoke with Agent I.D . XXXX. He indicated my account was in good condition - that I showed behind ; however, they are expecting two more payments from KYHC. He indicated there were no notes in the file as being referred to anyone ... ... .. 

How does Ocwen get off " selling '' my information without my consent and certainly without my knowledge????? 

This needs to be reported. And please do n't bother sending this to Ocwen for a response because we all know what will happen ... .... nothing ... ... ... .they will write a long letter saying nothing - and you will post the incident solved?????????????.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: LEXISNEXIS
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX 2017 there were two unauthorized withdraws of {$500.00} out of my account. Chase sent me a text asking me if I just made a withdraw of that amount, I immediately replied " no ''. I filed a claim with with them, and They later closed the debit card and issued me a new one. Meanwhile I gave them all the documents proving that I was at work that day in XXXX XXXX XXXX while the transaction occurred in Virginia. Two weeks later they credited my account for the total that was stolen only to reverse it two weeks later saying that the transaction was authorized.

Company response to consumer: Closed with monetary relief