BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-22
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: Credit inquiries on your report that you don't recognize

Complaint:
I was in the market for a home last year. There is usually a grace period of 45 to 60 days where your credit is being pulled to compare rates and offers with multiple lenders. The point is to not have every individual hard pull affect your credit score This was not the case for me, in some reports I have about 7 to 9 hard  inquiries all within this span that should not have counted as individual checks on credit. 

I want to have these removed and the negative hit fixed 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 explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX {$170.00} XXXX  XXXX {$300.00} XXXX  XXXX {$12000.00}

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 explanation
Consumer complaint received 2020-08-22
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX and Transunion are incorrectly reporting me 120 days past due on the XXXX ( starting on page 14 of the attached credit report ) - partial account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. 

XXXX and Transunion are incorrectly reporting me 60 days past due on the XXXX XXXX ( starting on page 32 of the attached credit report ) - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX  and Transunion are incorectly reporting me 30 days past due on the XXXX   ( starting on page 32 of the attached credit report ) - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. 

This incorrect reporting is harming my credit score. It is impossible to be 30 - 120 days late on accounts that have a {$0.00} balance and {$0.00} past due.

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 2020-07-03
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:
I have sent Equifax several disputes since XX/XX/2020 and yet until I submitted a complaint through this portal have I received a response regarding my information does not match their records and that I need to send in a legible copy of my drivers license and etc. I've used the same copy of my license, social security card, and utility bill and never had a issue. This is unacceptable and a blatant refusal to honor my request so we are going to try this again Despite numerous dispute requests, letters, and identity theft affidavits, I've been unable to resolve this particular matter or issue with XXXX, XXXX, and Equifax in regards to inaccurate and fraudulent information appearing on my credit file. There is an account listed as XXXX on my credit file which displays an address of XXXX XXXX XXXX which is clearly the wrong address upon recent research. Another account by the name of XXXX XXXX does not show a date opened nor has XXXX XXXX  ever provided any HIPPA Release Documentation upon request. A XXXX XXXX XXXX and XXXX XXXX account which both were opened as a result of identity fraud/theft continues to appear on my credit file despite after the credit bureaus were notified and also denied to block the information upon receiving notification within 4 business days. I believe this a deliberate denial and my consumer rights continue to be violated under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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:
I have tried to get Transunion to investigate the errors in the attached documents for over 90 days now. They have not even started an investigation but continue to stall or state that it's not me. They have yet to show any proof that these accounts belong to me and are accurate. Please help me get these removed from my report. They are in violation of the FCRA in multiple ways and have violated my privacy and my livelihood. 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 non-monetary relief
Consumer complaint received 2019-03-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a cash card with Wells Fargo Financial. My problem is that the website only allows payments up to {$5000.00} per day. This restriction causes additional interest charges on the amount over {$5000.00} ( in my case at an interest rate of 24.9 % ). This is an unnecessary requirement and I would guess it is solely for the purpose of collecting additional interest.

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 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 CFPB, i have sent multiple letters to XXXX, Transunion, XXXX over the course of a few months. I believe i was a victim of ID theft. I attatched a copy of my ID, SSN card, FTC report, and Cover letter. Last letter was sent out XX/XX/2020. There are accounts on my credit that arent mine.

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 2020-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Transaction made at XXXX, XX/XX/XXXX, for {$55.00} with my Capital One Account. I contacted Capital One before transaction as to how this was to be charged to my account, and was informed it was a transaction with a fee since it was cash going to an inmate. When I received that statement it showed a fee of {$5.00}, but also a Cash Advance balance, subject to interest rate of {$16.00} and Interest Charge of {$0.00}. This was not explained to me before the transaction. I was told the charge to cash Advance was a mistake, and would be removed. The following month it was still on my statement. I called again and again informed it would be removed. 
I made the mistake of not checking my statement each month, just making sure I made my credit card payment each month. ( I was having illness issues ). 
Fast forward to XX/XX/XXXX, I decided to read my complete statement, and that is when I realized this charge was never removed and had increased to {$210.00}. This was on a {$55.00} transaction 6 years ago. ( I realize I should have been more observant ). 
I contacted Capital One to discuss this and asked them to remove this charge based on my earlier contact with the company. I was informed it could not be done. I was then told the only was to handle this is when I make the minimum payment to pay an additional amount, and it would be applied to this CASH ADVANCE balance. If I had been informed of this from the beginning I could have paid the {$55.00} amount the next payment due date. 
I tried to work out and arrangement with a supervisor ( XXXX, Employee # XXXX ). I asked since I had been a very good customer almost 20 yrs, could they eliminate this charge or that I could pay half of this charge? He repeatedly cited the section " How to Calculate the Interest Charges ''. This section does not refer to when a transaction is charged as cash advance. I was not informed correctly from the beginning. If I did not get the info in writing I should not have trusted them. I would like this to be corrected so no one else has to suffer. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
Us direct Express card My us direct Express card been lock out over 10 days I Been calling daily Monday thru Friday even sat website said there open 7 days a week 24 hrs a day XXXX daily no answering there phones daily can not talk to customers services about this long loud music daily no response period I went to XXXX XXXX  to withdrawal funds my receipt said no funds available been checking online been lock out no customers services at all I can't even get my meds I need daily because of my health issues this is fair deal for anybody on social security or any benefits thru them having our money card lock up not fair either it's our XXXX money card shouldn't never been lock out I'm on XXXX monthly Please help me and let 's get my usdirect exspress card working asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am NOT behind in payments. 

In a matter of minutes, Mr. Cooper XXXX Nationstar XXXX took seven ( 7 ) additional, unauthorized mortgage payments via ACH from my XXXX XXXX  account effectively taking enough money to pay my mortgage until XX/XX/XXXX. I had no payments due until XX/XX/XXXX. Amount Unauthorized {$700.00} XXXX XXXX = {$4900.00} Additionally, aforementioned mortgage lender has NOT credited any of these payments to my mortgage account, which still reflects a payment due XX/XX/XXXX. 

Contacting XXXX, they are aware of the issue indicating this has happened to numerous accounts ; XXXX indicates this issue needs to be resolved with the Mortgage lender. 

Contacting the Mortgage lender, they do not answer the phone citing heavy call volume due to COVID-19. Perhaps taking 7+ unauthorized mortgage payments for numerous customers results in heavy call volume?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Phoenix Financial Services LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX performed at XXXX XXXX XXXX in XXXX, WA. I was in a payment arrangement with them and paid the bill off this month. However, it was sent to Phoenix Financial Services who promptly reported it to all 3 credit bureaus. They refused to contact the creditor to verify that the bill had been paid. Because of this, I was not able to close on a house that we were purchasing and I lost {$5000.00} earnest money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
yes bank of America has been taking fees of XXXX dollars out of my account XXXX because they stated I no longer had a mortgage with them but then they lied to my wife who is on doctors order XXXX  as she is taking XXXX and I am XXXX XXXX XXXX due to the fact she had to go on XXXX they falsely charged us over XXXX in fees for maintenence after we refinanced but still have other accounts with them credit card and other checkings. I tried to resolve this with them several times and there excuse is they can go back only three months. My wife is a XXXX  her XXXX is not good and her XXXX treatments.

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 2018-02-25
Company: Automated Accounts Management Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed XXXX XXXX Medical Center so many times and I'm still not getting this matter resolved what the collection company called automated accounts. Back in XX/XX/2014 someone used my information and created {$2200.00} medical bill that I'm not aware of this charge which I did not authorize for this charge which I did not go to emergency in XXXX California because I was residing in XXXX XXXX California and basically trying to resolve the dispute fraudulent dispute with this company and I'm not getting no results removing this collection from my credit report someone use my information and cause a medical bill of {$2200.00} and I need this to be removed from my credit bureau which I have disputed fraudulent charge so many times and Im not getting no resul.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Blackhawk Network Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I bought a Visa Gift Card from GiftCardMall.com ( run by BlackHawk ) for {$480.00} on XX/XX/18. 

The card was stolen in transit before I received it in the mail, and was used fraudulently. 

I contacted the company and was issued a replacement card, and was told to submit a formal complaint specifying the fraudulent activity in order to have an investigation that would lead to me being reimbursed for the fraud on the replacement card. I emailed in the required form to the BlackHawk network email specified on XX/XX/18. 

I never heard anything back from the company, and contacted by phone periodically to ensure there was nothing more that was needed, and each time I was told everything was fine and the the case was proceeding. 

However, this week I called and was told the case was inexplicably closed on the same date I sent in the formal complaint! However, nobody in the company is capable of answering why they are not reimbursing me for the fraud per their policy. 

In short -- I ordered and paid for a card with a {$480.00} balance, and I only received a card with a {$54.00} balance. I am still out {$430.00} the company owes me for the fraud between the time the card was between office and my mailbox. I have done everything asked to certify that I did not make the charges, and there policy is that I am not responsible for any fraud and will be reimbursed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX ARS ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS 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 2021-05-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Ive deposited a large sum of money into my cashapp account to send to family who are struggling during this pandemic. I then tried to send some money to a family member and it stated my account has been temporarily locked for 24 hours. The next day I tried to withdraw my money and it stated my account is still frozen. I then proceeded to email them in order to find out whats going on. I got no response. The next day I then tried and it still stated my account is frozen. Mind you its the third day I have family who needs me. I tried withdrawing my funds because its big money I cant loose this money. And I got the same message. I emailed them some more and got nothing back. So I sent a complaint with consumer finance and the next day XXXX today ) cashapp unlocked my account. Finally..well it dont stop there. I tried to link my card to my cashapp account in order to directly deposit my funds since cash app made me frustrated. And they wouldnt let me. I tried multiple cards and nothing. I went back to the atm to try and withdraw and it kept saying I have no funds. How do I have no funds if I see it in my cash app balance? Its like the money is a ghost. On top of that they sent me an email stating my account is about to be deleted and to withdraw my funds. But how? If they wont let me. They are just trying to steal my money.

Company response to consumer: Closed with explanation