BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
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: Information belongs to someone else

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The informations listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
( XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX, XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX - XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2019-12-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
years. In XXXX of 2019 and was sent a default notice. mind you-i made my payments online but their representative had keyed my checking account number in wrong by adding another number to my checking account. This was told to me after i questioned the default notice. i was very upset and questioned the various amounts of money that went out from my bank ( XXXX ) and wells fargo ( which the payments were listed ). 
Some of the payments reflected missing payments which shouldn't. I don't see why i have to make up the payments when it was the representative 's mistake from wells fargo. i have never had this mistake at all. Everytime i call in-i get the same response and my husband feels that i didn't make said payments. What can be done? I also am fromthe state of teexas and this happened during the time of the storm ( Tropical Storm Imelda ).

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 2023-07-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I made a cash deposit on a Bank of America ATM for {$1300.00} dollars. 
On my account summary this deposit appears with date XX/XX/XXXX as a proof that the deposit was made. 
On XX/XX/XXXX, on my account summary an ATM Debit adjustment is made for {$1300.00} dollars. 

On XX/XX/XXXX I presented myself at XXXX XXXX branch to make the claim where the Relationship Banker XXXX XXXX XXXX helped me to solve this problem, on this date my {$1300.00} were refunded to my account while they make the investigation. The ID reclamation is XXXX On XX/XX/XXXX I received a message from Bank of America stating : That unfortunately they were unable to approve my recent claim. 

They found the transaction the I referenced but they can't find any record of cash or additional cash being deposited at the ATM for {$1300.00} dollars between XX/XX/XXXX and XX/XX/XXXX. 

Hence, they removed the on XX/XX/XXXX my {$1300.00} dollars. 

I need my money back, I am sure that with the evidence of the deposit transaction made at the ATM and showed in my Account Summary is more than enough. 

Thank you for your help.

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 2019-12-02
Company: EQUIFAX, 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22
Company: TD BANK US HOLDING COMPANY
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:
cra violations inaccurate information sent police report and still on credit report after 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting 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 hope this letter finds you well. I am writing to seek assistance from the Consumer Financial Protection Bureau regarding ongoing issues I have been experiencing with XXXX, XXXX, and Equifax. Despite my repeated efforts to dispute late payments and incorrect information on my credit reports, I have encountered significant challenges in rectifying these errors. 
I believe that I have been subject to unfair treatment by these credit reporting agencies, as my attempts to correct inaccuracies on my credit reports have not yielded the desired results. I have diligently followed the procedures outlined by the credit bureaus, including submitting dispute letters and providing supporting documentation. However, my disputes have often been met with delayed responses or dismissive actions, resulting in continued inaccuracies on my credit reports. 
The inaccurate information on my credit reports has had a detrimental impact on my financial well-being, affecting my ability to secure loans, obtain favorable interest rates, and even secure employment. Despite my efforts to maintain responsible financial practices, these errors have unfairly tarnished my creditworthiness. 
I kindly request that the Consumer Financial Protection Bureau investigate my case and intervene on my behalf to ensure that XXXX, XXXX, and Equifax rectify the inaccuracies on my credit reports promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that your organization is committed to ensuring fair treatment for consumers like me, and I trust that you will take the necessary steps to address this matter. Please inform me of any additional information or documentation you may require to assist in resolving this issue. 
I appreciate your prompt attention to this matter and your commitment to upholding consumer rights. I look forward to a timely resolution and the restoration of accurate information on my credit reports. 
Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRUIST FINANCIAL CORPORATION
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On Friday XX/XX/2023 I received an email from XXXX XXXX at Lightstream XXXX stating that my loan application had been approved and to email her back to start the process. I did and then I spoke with her over the phone and then she sent me my loan documents. I did further research trying to make sure this was legitimate and did not find anything on this company. I then was told because my account was in the negative that they would be doing a " deposit " to make it positive and that I would need to return this money as a " good faith gesture '' via XXXX XXXX or XXXX., as you will see by the screenshots I did this several times and then they did another " deposit '' of XXXX and had me do the same thing but I had reached my limit so the next day I has to transfer the additional XXXX and that was the last payment I had to do. BUT they then deposited 2 more XXXX amounts in my account and tried to access my account and they were denied. By then the bank had noticed all this and froze all my accounts. I then had a negative balance of XXXX and the bank then transferred the XXXX that was in my savings for my sons wedding in XXXX to my checking account and that left me XXXX negative they have since removed all the fees and I am still almost XXXX in the negative. I have never seen any of the " loan money '' that I was promised. This is nothing if completely fraudulent and unbelievable. You will see from the attached documents that this looks very legitimate with all the FDIC numbers on the last page of the loan documents. I have attempted to contact all the numbers they have not responded to text, voicemail or emails.

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 2023-09-10
Company: EQUIFAX, INC.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX, formerly known as XXXX XXXX XXXX XXXX is my mother 's credit union. I am her daughter filing this complaint on her behalf. 

I am very cocerned and sometimes angry with the way my mother 's account is being managed and it seems to be getting worse. There appears to be ugly and distasteful tactics used in handling her account. 

The biggest concern involves her mortgage which also hab an impact on her credit ; we are requesting an audit of her account because I was informed that her mortgage payment was applied to a wrong account. 

On the most recent ocassion, my mother indicated she was ready to buy a new home we contacted the XXXX XXXX XXXX XX/XX/2022 to see if she could pre-quality for a loan. We were told by a consultant that something did not look right and that I should contact her credit union. 

My mother is XXXX XXXX XXXX and we need someone to assist us. There seems to be some deceptive practices going on with her account. She and my father who in now deceased have been account members through two names changes, and furthermore we went to the main office, sat down with the bank manager ; he assured us he would call us the nexr day and we still have not heard from him. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 Equifax dropped my credit score XXXX points because I paid my XXXX bill down by {$40.00}. 

Why would my credit score drop if made payment on my account? 

Please explain to me and Consumer Protection Financial Bureau how you dropped my credit score by XXXX points for making a payment on time?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
XX/XX/2019 I tried resolving a 30 day delinquency by refinancing my auto loan. Ally told me that their system would not accept payment, because the process for voluntary surrener had begun. Ally recorded each call each day, I was told and was well aware I was trying to resolve to keep my vehicle. Ally recommended surrender and paying the account off during the process, I did what Ally recommended voluntary surrender XX/XX/2019. Ally never contacted me once I voluntarily surrendered the vehicle, instead Ally sold the vehicle and instead of me having an opportunity to pay the vehicle off in full, now Ally states I owe Ally the difference. I do not owe the difference I was in contact with everyone including XXXX XXXX  XXXX XXXX who informed me Ally sold the vehicle I surrendered. When contacting Ally, Ally told me though I have received every piece of correspondence from them, something must have happened to the information mailed to me on in XX/XX/XXXX that would have given me opportunity to own my vehicle. Now, Ally aggressively try to collect on their mistake. I told Ally I am XXXX and would not lie about the process they had me in nor would I lie about the fact that I never received their correspondence, even though I am home everyday for the mail. Ally Rep just kept repeating the same information

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 2023-07-17
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XX/XX/2023 RE : Complaint ID XXXX ( XXXX XXXX ) RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/2023 } and I noticed an unauthorized credit inquiry had been made. 
I contacted { XXXXXXXX XXXX XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the [ XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter, { XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I XXXX Bank of America to let them know that I have lost my My debit card or it was stolen. I called the next day to check my balance and it went from {$18000.00} down to {$9000.00}, XXXX charges that I did not Do these charges that they were fraudulent and they said OK that they would fix it and send me a new card. OK that was fine OK that was fine Since they said they would make it right and put my money back in my account. I waited 3 days and I received my new card in the mail I called to activate it and the card had been compromised!!! How in the XXXX is that possible when I just received the card... I got in contact with them and let them know What was going on and they said that they would put in a claim What was going on and they said that they would put in a claim. Message saying that my claim was denied and that they would not be refunding my money {$18000.00} Vanished from my account and they refused to do anything about XXXX do anything about it some charges were done in XXXX  I live in XXXX  there's no way possible that they could have been refused to look into it and do their job and review the cameras or voice recordings or whatever and see that it was not me! So because all this has happened I have now XXXX XXXX XXXX because I can not pay my rent I now XXXX XXXX XXXX XXXX with my XXXX XXXX XXXX XXXX XXXX. This isn't right!!

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 2018-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Public record information inaccurate

Complaint:
My husband has been having issues trying to work with Transunion to fix his consumer report as it contains incorrect information from XX/XX/2014. 

My husband asked me to review MY OWN personal CONSUMER file with Transunion. After many follow up, I finally received MY report from Transunion and I also see the same error that was in XX/XX/2014 in MY OWN CONSUMER FILE. 

Basically, the housing court case from XX/XX/2014 should have never been entered into the Transunion database for my consumer file because the case had a court stipulation that expunge the housing court cases from the tenant screening company ( including Transunion ). However, Transunion failed to prevent incorrect information of mine to be entered into the database. Also, Transunion does not have a system to screen out incorrect information in its database that is now hurting consumers like myself. 

Transunion also heavily relies on personnel located outside of US who does not have expertise in dealing with the stipulation and how the court case should be expunged.

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 2023-09-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 Convergent Account, Creditor : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2000.00}, XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$30000.00}, XXXX XXXXXXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$3000.00}, XXXX XXXX XXXX XXXX Account number XXXX  Date opened XX/XX/XXXX Balance {$6800.00}, XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$25000.00}, XXXX  Account XXXX XXXX Date opened XX/XX/XXXX Balance {$3700.00}, XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2200.00}, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$4800.00}, 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
I HAVE NEVER DID BUSINESS WITH LVNV FUNING LLC THIS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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