BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Called Transunion on XXXX XXXX, 2017 and talked to the XXXX, XXXX XXXX. I told him that there are credit inquiries on my report that were re-added to my report. I know that Transunion had a computer problem, but they were removed by their company. I told him that I was aware of the 2 separate " glitches '' that occurred with Transunion that removed them. I told him that I was NOT notified within 5 days prior to then being re-added to my credit report. He told me that I was not affected by their glitches and he would not remove them from my report. I explained that these inquiries are adding a hardship and that I feel my rights were violated. I have been victimized by Transunion for a mistake that THEY made. I am asking for your help to make Transunion delete these inquiries permanently from my Transunion credit report ( as a violation took place when they illegally re-added them ).

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 2020-05-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2020, I authorized a purchase of an e-learning course by XXXX. The company did not uphold its terms and agreements after my purchase. I was not delivered the material I purchased. Naturally, I canceled my course ; and disputed my purchase with Wells Fargo. Wells Fargo credited my account {$590.00} for my purchase on XX/XX/2020. Two months later, on XX/XX/2020, Wells Fargo denied my claim and took back their credit without notification. Upon filing my claim, Wells Fargo would not accept documentation proving fraud. They also wouldn't reopen my claim ( despite proof ). This is negligent. 

I have no way of contacting the merchant, as they've stopped responding to emails. As {$590.00} may be a small amount to some, the fraudulent activity has had a negative impact on my life. I'm coping with this fallout while experiencing an impact from XXXX. My account is severely overdrawn and is being penalized for being overdrawn. 

Wells Fargo should not have credited my account with {$590.00} if the claim wasn't won. This is irresponsible to say the least. Let alone, they didn't update me on my claim as the process continued. Wells Fargo made it appear as if my claim was won back in XXXX. I had no idea the claim was still open.

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 2020-05-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
TD Bank - XX/XX/XXXX - XX/XX/XXXX POSTING DATE XX/XX/XXXX DESCRIPTION OVERDRAFTPD AMOUNT Subtotal : XXXX XXXX Overdraft fee collected for two transactions that were made with plenty of funds to cover it. 

This is shown from my deposits and daily balances during this period. 
Electronic Deposits : 1 ) XX/XX/XXXX = {$50.00} 2 ) XX/XX/XXXX Online Xfer Transfer from SV XXXX eTransfer Credit XXXX 3 ) XX/XX/XXXX Online Xfer Transfer from SV XXXX eTransfer Credi XXXX Total {$1000.00} deposited Electronic Payments : XXXXDEBITCARDPURCHASE, ***. - {$75.00} XXXXDEBITCARDPURCHASE, ***** - {$72.00} XXXXPHONETRANSFER, ToCHECKINGXXXX - {$35000.00} XXXXNONTDATMDEBIT,  ****- {$200.00} XXXXNONTDATMFEE. *** - {$3.00} XXXXDEBITCARDPURCHASE, - {$35.00} XXXX, XXXX XXXX XXXXDEBITCARDPURCHASE, - {$37.00} XXXXDEBITPOS, - {$100.00} XXXXDEBITCARDPURCHASE, - {$14.00} 02/25DEBITCARDPURCHASE, - {$22.00} XXXXDEBITCARDPURCHASE, - {$22.00} Total : {$940.00} Purchased = {$110.00} still in account The daily account balance showed no negative activity during those dates : DAILY BALANCESUMMARY DATE XX/XX/XXXX {$180.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$340.00} XX/XX/XXXX {$210.00} Balance XX/XX/XXXX = {$210.00} Overdraft fee XX/XX/XXXX of - {$70.00} The fee was charged for transactions made after a {$500.00} deposit. 
There are more unscrupulous overdraft fees that I was charged for transactions I made after insuring the account had enough funds and that any recent deposits had already appeared on my account. 

I couldnt have used my card without proper funds. They calculated the debits of the day not in the order received, but always to an advantage of causing a fee, which would show up as a surprise days later. 

I was charged {$1000.00} in overdraft fees for XX/XX/XXXX, account opened in XX/XX/XXXX/XX/XX/XXXX. XX/XX/XXXX was charged over {$170.00} in overdraft fees for 2-3 months. 

Help recovering this huge discrepancy is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: EQUIFAX, 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:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I believe that somebody used my personal information and applied for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Got again my credit score today and see that Capital One is still in with a hard inquiry. I never request a credit card from XXXX XXXX and it is still on my credit report. Already contact the company by letter never got an answer. Somebody used my identification and email. Was part of the abuse of identification by XXXX.

I would like that Capital One correct the mistake immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: EQUIFAX, 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:
The accounts never belong to me or any transactions made by me. I am requesting to remove account with balance 0 which are not mine as soon as possible.

a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: AL
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:
My addresses are incorrect on all credit reports. On my equifax my date of birth is incorrect I was not born in XXXX I am not even XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: SUNTRUST BANKS, INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2018 ; I was defrauded out of {$19000.00} by SunTrust Bank XXXX customer XXXX XXXX, acct # XXXX in XXXX, GA. This individual scammed me by leading me to believe he wired an overpayment of {$20000.00} to my XXXX XXXX acct. This was done by hacking my computer and fraudulently transferring {$20000.00} from XXXX of my XXXX XXXX accounts to another making it appear that the overpayment was legitimate. I subsequently wired {$19000.00} to SunTrust Bank customer 's acct. at his request. I received an alert from XXXX XXXX that an account transfer was made between two of my XXXX XXXX accounts. I notified XXXX XXXX immediately of the fraudulent/unauthorized transfer. I asked XXXX XXXX to recall the wire transfer and to notify the SunTrust Bank branch in XXXX, GA that a fraud had occurred and to freeze the receiver 's account at SunTrust Bank. Both XXXX XXXX 's and SunTrust Bank 's fraud department were notified within an hour. I called SunTrust Bank and their fraud department but could not find out what was happening to stop the funds movement. SunTrust Bank would not tell me anything that was going on, nothing about their customer, or if there was any funds in the account. The next day I gave a police report to the XXXX XXXX police department. Their investigator told me the SunTrust Bank Customer used an address of an empty lot in XXXX so there was no way to find this scammer. SunTrust failed to recover the funds, made no effort to recover the funds, or investigate the fraud. SunTrust Bank facilitated the scammer by opening an account without properly vetting the customer and did not adhere to bank regulations requiring Knowing Your Customer ( KYC ). Banks have the responsibility to protect consumers against fraud. My efforts to get SunTrust Bank to recover the funds were futile. Therefore I am requesting SunTrust Bank 's reimbursement of the lost funds, {$19000.00}.

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 2020-05-21
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a completed full appraisal less than 120 days old that was ordered by another lender that I asked to be transferred to my new loan application. In the initial consult with the new lender I was told the appraisal i had could be used. A week or so later an appraiser contacted me to schedule an appointment. I advised him I was using an appraisal that hadn't expired yet, and he said Quicken told him i couldn't use that appraisal. However, no one from Quicken had advised me of this. After several attempts I finally reached my loan officer on XX/XX/XXXX who told me he wasn't sure why my current appraisal couldn't be transferred from XXXX and connected me with another representative that then said it could be transferred and would contact loanDepot to make the request. 

I have yet to hear back from the rep that said they were requesting the transfer or my loan officer, and the appraiser continues to contact me to schedule an appointment, stating that Quicken told him on the XXXX that I still could not transfer my appraisal. 

With no return calls or email I reached out to Quicken today, XX/XX/2020, via their chat service and had that rep tell me that my appraisal could not be transferred because they only transfer VA or FHA loans. I asked why that is because I am not aware of any Fannie Mae or XXXX XXXX guidelines restricting appraisal transfers for conventional loans whether they're cash out or not, so accepting a transferred appraisal would not make my loan unsellable, which is commonly why lenders issue certain guidelines. The representative provided no reasoning or knowledge of the basis of the company guideline, nor would provide Office of the President contact information for me to investigate at a higher level. 

I am now having to pay the extra expense for a brand new appraisal after I already paid for one that has not yet expired through a different lender. This " guideline '' of Quicken 's makes no sense from a customer service prospective, especially if they theoretically aren't benefitting from the appraisal order itself. Supposedly it's something commissioned completely non-biasedly and not of any cost to the company because the customer pays for it. Why force a customer to pay for something that's already been done validly ahead of time unless they're getting some sort of unknown benefit themselves?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Experian Information Solutions Inc.
State: NV
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 didn't authorize these inquiries.

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 2020-09-05
Company: Experian Information Solutions 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 submitted paperwork regarding these accounts several months ago and they still appear on my credit file.

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 2020-05-21
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have filed a number of complaints and documents with the Regional VA Home Loan Office in St Paul Minn regarding the unscrupulous manner which my prior lender made a claim on my Eligibility. 
I have sent documentation to this office regarding a XXXX XXXX in 2019 for a house that I had on the market and was making on time payments with the prior lender. 
This lender, XXXX, filed for bankruptcy and I was notified by Nation Star bank and its sub, Mr Cooper, that I should stop payments and they would purchase the house with a XXXX and issue a contract that all present and future claims will be satisfied. 
This they did and took title to the property in XXXX, XXXX however, they still filed a claim on my eligibility. 
I informed the Regional office and sent them copies of all the documents and they had their legal department review them. They came back and informed me that their legal department could not do anything even though they concurred that Mr Cooper misrepresented themselves and broke the contract. 

I am a XXXX XXXX XXXX XXXX, XXXX veteran entitled to the XXXX XXXX XXXX XXXX but I can not obtain a mortgage because I need a Down Payment with a non-VA loan. 

This is unfair and unjust. I can not find an accessible home and purchase it due to the VA not willing to re-instate my eligibility. 

I am certain that I am not the only veteran in this situation, and our Government must rectify this illogical policy. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting me as 30 to 60 days past due on the XXXX/Auto account number XXXX. This account has a {$0.00} balance and {$0.00} past due. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
* On XX/XX/XXXX, I purchased a Mattress from XXXX XXXX, on XXXX XXXX XXXX in XXXX CT for XXXX The purchase was financed by Synchrony FInancial for {$10000.00}, in a new consumer account. The promotional offer of 0 % financing expires for a purchase of this size on XX/XX/XXXX XXXX On XX/XX/XXXX, two other purchases were added to my newly opened account - one for {$2300.00}, and another for {$590.00}. The promotional offer of 0 % financing expires for a purchase of this size on XX/XX/XXXX XXXX These two extra purchases the next day WERE NOT MY PURCHASES. An error and/or fraud allowed two other new purchases to be added to my new account. 
* After contacting the retail location and Synchrony, they did issue me a credit for the charges for the purchases made on XX/XX/XXXX. So, the total amount I owe, became correct. 
* However, the credit was proportionally distributed to three different loan balances. So though the total amount owed is now correct, but the share of the balances that the 0 % promotion expires for in XXXX is incorrect. I technically still have the loans open for purchases that I did not make, with less favorable terms. 
* I contacted Synchrony explaining my issue via email, and they have no complied with fixing it. 
* The correct resolution would have been to remove the erroneous loans from my account, not to issue me a credit in the total amount. I am now forced to pay down my total balance in an accelerate manner versus the terms I was given. They are in breach of the terms of the contract which I signed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: PA
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2019-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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