BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX IL ) XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$1000.00}

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 2018-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
After making several payments my interest rose to the point that my balance doubled causing a ripple effect and the payment to pay of the bal became completely unattainable.

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 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
THE ACCOUNT FOR XXXX XXXX XXXX IS REALLY AFFECTING AND OBSTRUCTING ME FROM PURSUING A BETTER LIFESTYLE. PLEASE REMOVE IT IMMEDIATELY!!!!!!!, AS FOR IT IS AFFECTING MY CREDIT 'S HEALTH. THIS ACCOUNT WAS OPENED ON : XX/XX/2014 WITH AN OUTSTANDING BALANCE OF : XXXX, MAKING IT AN UNPAID CHARGE-OFF. NOTHING HAS BEEN DONE FOR THIS ACCOUNT NOR WERE ANY ACTIONS TAKEN.

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: 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 this may concern, I have multiple inquiries from XXXX XXXX XXXX I didnt give XXXX XXXX XXXX XXXX consent for inquiries. I have disputed the inquiries and over 20 deleted reports from XXXX XXXX was removed, due to these deceptive tactics I have been financially unable and stressed. I now noticed that these are violations under the FDCPA and XXXX XXXX is legally obligated to pay for violations. Like I said I have over XXXX and Im putting yall on notice so we can have this matter taken care of. Also I received a report from a new debt collector stating I owed a debt of {$510.00} and I learned XXXX XXXXXXXX XXXX sold them my information without any consent another illegal tactic this company has made 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 2019-01-28
Company: Ability Recovery Services, LLC
State: GA
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 am a victim of identity theft and I have been fighting for the deletion and blocking of fraudulent accounts on my credit reports. I disputed and successfully was able to get several fraudulent accounts deleted and blocked from my credit file. One of which was XXXX University. I have never attended XXXX University and I have never had any account with them. I even requested information from XXXX as to how they had my information and received nothing. In 2017, I disputed the XXXX University account and it was deleted and blocked from my credit file as it was fraudulent. On this month, I now have a collection on my credit file from Ability Recovery for the fraudulent account at XXXX University! This is not my account and this negative account is tarnishing my credit file that I am repairing from the identity theft. I have had no contarct EVER with XXXX University or Ability Recovery as these accounts are fradeulent!

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 2023-02-09
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For XXXX week, Experian responds online to my request for my free annual credit report by indicating it can not provide the report and I must send a form containing my SSN and other personally identifiable information via US mail to receive it. This is not the first time this has happened and there is never any reason/justification given for this repeated problem. Experian seems to think sending my SSN via mail is not a problem, even though this opens the door to identity theft. If Experian can not fulfill its responsibility to consumers under Federal law, it might be a good time for it to cease its existence. There is no need for 3 credit reporting bureaus in the United States.

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 2022-11-21
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:
Ive contacted the company multiple to prove the validity of the loan. This is not mine and was done with out my knowledge. The account number is XXXX XXXXXXXX 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 2022-11-20
Company: EQUIFAX, INC.
State: ID
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX  - XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
Pursuant to 1022.41Regulation V. 

I noticed XX/XX/2021 The accuracy and integrity of the following information on my consumer credit report is showing to be very inaccurate on credit report agencies XXXX, XXXX, and Equifax on the following accounts. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Is XXXX, Equifax, and XXXX in compliance with the CFPB? 

What are their policies and procedures on accurate and integrity?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: AppFolio, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
AppFolio XX/XX/2021 Credit score provided to Landlord is significantly different than the actual score reported by XXXX. AppFolio uses XXXX to provide landlords with report scores. This situation will hurt the needs of Americans trying to secure housing. Unfortunately, companies like AppFolio are charging fees to provide inaccurate information to landlord.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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: 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. 

XXXX XXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX US DEPT OF EDXXXXXXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2018-07-27
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have called the bank multiple times over the last six months about the foreclosure. i can say it is nearly impossible to speak to a human being and after the answer i am transferred to three more departments. I've tried to work a payment option with the bank ( Wells Fargo ) but they told me i have to pay the whole back payment in full f i wanted to keep the house. I am trying to find out  information about the foreclosure. There is nothing posted on any website. I want to keep my house.I feel like I'm not getting services from the bank that I should be receiving.

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 2019-01-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Fifth Third Bank closed my Essential checking account on XX/XX/XXXX with available balance. Upon closure, funds in the amounts of {$370.00} & {$20.00} were never refunded back to me ( funds were refunded to a " closed '' checking account at XXXX. On XX/XX/XXXX, XXXX banking representative confirmed no funds were ever received and the account is still in " closed '' status at XXXX ). 

When inquired about not refunded funds in a local branch ( XXXX XXXX XXXX, XXXX, Ohio ), Personal Banker ( XXXX XXXX. ) advised they are not able to help me in branch and referred to call Fifth Third via phone at XXXX. 

After several phone calls, Customer Service Representatives where not able to assist me and currently, no funds have been refunded. 

Additionally, a promotional bonus of {$250.00} was attached to the Essential Checking. No bonus in any amount was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX I am having issues with my personal information on my credit file. 1st my name is spelled wrong five different ways, XXXX XXXX XXXX is the ONLY spelling that should be on my report. My SS # is XXXX please delete any other SS # on my file. 
I have several addresses showing that do not belong to me please remove the following:XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo Home Mortgage is denying my settlement because of my race, XXXX. 

Wells Fargo Home Mortgage agreed to pay over {$1.00} XXXX dollars in a lawsuit to XXXX XXXX, and other similiar classes, where Wells Fargo Home Mortgage discriminated against XXXX, XXXX and other similiar classes in a lawsuit brought by the Department of Justice. 

Wells Fargo Home Mortgage discrimated giving XXXX less favorable interest rates and loans than other loan applicants. Although they have not used this excuse, maybe Wells Fargo Home Mortgage did not know that some XXXX are aware that interest rates equal dollars and higher payments, which occurred in my situation causing me years of grief and financial sufferring. I continue to suffer at the hands of Wells Fargo Home Mortgage. My mortgage is being forclosed on in 2 days to cover it all up. This too is illegal in case Wells Fargo Home Mortgage does not know. 

Wells Fargo discriminated with my loan and is now discriminating again by continually denying my settlement using false pretense excuses and lies. They have come up with many excuses and lies. 

I have provided documents to refute those excuses, but it boils down to Wells Fargo submitted to this voluntarily settlement because they never intended to make good on the settlement as they promised the Department of Justice and the Federal Court. 

I am being punished again because of my race, XXXX. This was not a refinance loan which Wells Fargo Home Mortgage lied in a recent previous complaint. This loan originated within the designated time frame listed in the settlement with the Department of Justice and the Federal Court. This was a brand new loan as it shows by Wells Fargo Home Mortgage own document. This loan did not originate outside of the time frame as Wells Fargo Home Mortgage continually and originally said. This loan Originated XX/XX/XXXX, also shown on Wells Fargo Home Mortgage own document also enclosed with this complaint. There are many others in my predicament that have been forclosed on to cover up this gross misconduct. 

Wells Fargo Home Mortgage is denying my settlement because of my race XXXX. Also, I 'm a XXXX XXXX who is being financially exploited, also illegal. Wells Fargo Home Mortgage is trying to cover up thier hate for XXXX by foreclosing on my mortgage of fifteen years. The foreclosure is scheduled in two days Wednesday XX/XX/XXXX. 

Do n't let this happen in America in XXXX. 

ME TOO 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 2017-12-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX XXXX, I went on the Citibank website ( Citibank.com ) and accessed the Bill Pay feature to make a payment to my XXXX XXXX XXXX credit card ( Card # XXXX ). The eBill payee was set up as XXXX XXXX XXXX in XXXX, DE and funds were supposed to be remitted immediately. On the last page, the website stated XXXX/XXXX/XXXX as the payment date when the payment would be taken out of my checking account. I remitted {$110.00} from my checking account with Citibank to pay my XXXX XXXX XXXX credit card. On XXXX/XXXX/XXXX, {$110.00} was taken out of my checking account but nothing was posted to my XXXX XXXX XXXX credit card account. I called customer service at Citibank at XXXX and spoke to XXXX, a customer service supervisor overseas who told me that the funds were disbursed to XXXX XXXX XXXX and could never be reversed. She told me that it will be posted to my XXXX XXXX XXXX credit card account on XXXX/XXXX/XXXX which is a Monday because XXXX/XXXX/XXXX was on a Saturday. She also told me that she would call XXXX XXXX XXXX to confirm that the funds were en route to the right account but she did not. She then transferred me to a customer service supervisor at CItibank in the US who stated that the transaction can not be reversed and the funds will be posted to my XXXX XXXX XXXX account on the next business day. I then called customer service at Citibank at XXXX on XXXX/XXXX/XXXX and spoke to overseas customer service representatives who told me that the funds would be posted to my XXXX XXXX XXXX credit card account on XXXX/XXXX/XXXX. However, on XXXX/XXXX/XXXX, I checked my credit card account with XXXX XXXX XXXX and noticed that the funds taken out of my Citibank checking account were not disbursed as promised.

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 2023-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have made so many attempts to try to get capital one to work with me through my struggles with Covid-19. I have now had it three times in the last two years. I have suffered a severe hardship. I am working with state assistance to help with my home and my family is helping my cope with the healing and bills where they can. I just got another alarming phone call where there was a threat to harassment in phone calls and ruining my credit if I did not come up with XXXX right now. I only asked to please lower my interest and lower the amount to something I could work with like {$100.00}. I could at least sell something in my home online to pay this amount. But with 29.99 % interest Ill never stop drowning and thats all covid feels like. Capital one has been so mean and angry with me. It seems like they could reach out and be heros with those suffering covid! We never asked for this and could die and then they would never get the money. At least Im trying. Im trying to keep a roof over my head. Show some kindness please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
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:
i have multiple accounts that dosent belong to me which is ( inquires ) and i tried to send the dispute letter to them ( trans union ) and they did not delete these accounts please i want to report them for not protocting my privacy transunion XX/XX/2023

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 2021-09-22
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For the past year, I have been attempting to dispute ( to remove ) inaccurate and fraudulent accounts and information from my credit report with the 3 credit reporting agencies " Experian, XXXX, and XXXX, '' and it has been extremely difficult because they are not cooperating and have also made it difficult for me to dispute items on my own credit report. As an identity theft victim, I have had to obtain a credit monitoring subscription with Experian where I pay a monthly fee to be able to log into my credit report frequently to monitor my credit report ; Doing so has allowed me to see continuous inaccuracies and fraudulent activities being posted on my credit report with the 3 credit reporting agencies monthly. My most recent dispute of inaccurate and fraudulent activities on my credit report with the 3 credit reporting agencies was this month XX/XX/XXXX, and luckily " ( after much difficulty ) '' Experian has seem to be the credit reporting agency closest to accurately maintaining accurate updates on my credit report " with the exception of an old ( XXXX ) bankruptcy under public records. '' XXXX and XXXX are currently reporting inaccurate personal information, addresses, and fraudulent accounts to include alleging that I have two credit cards, so to make it easier, XXXX and XXXX should update my credit report in their system with that of my credit report with Experian. Such should be reflecting across all 3 credit reporting agencies, as standard procedure.

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