BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-16
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, my house was completely destroyed by fire. My insurance company sent me XXXX checks totally {$350000.00} to cover the loss. However, as is common practice, both my name and the name of the mortgage company, " Cardinal Financial '' were listed on the checks. Per their instructions which appear on their website, I endorsed both checks and overnighted same to them with a letter requesting that they endorse the checks and use some of the funds ( roughly {$140000.00} ) to pay-off the mortgage. Per their documentation from their website, I included a voided check for them to return the balance of my insurance monies ( about {$240000.00} ) by ACH to my checking out. After not receiving any funds from them after the mortgage had been paid off for a week I contacted them and was told that my money was placed in a now defunct escrow account, and per their policy, they would hold the funds there for 15 days before " mailing '' them by regular mail to me. I told them that checks are often stolen from mailboxes in my neighborhood so that was not the best option. When asked why they would continue to hold my money for 15 days AFTER the mortgage has been paid off ( which is a total of 24 days ), the only answer I was given is that " it is their policy ''. This has got to be against the law. What right do they have to keep my money from me for any length of time that they choose? I believe they are holding my money for the purpose of collecting interest on it, as I can not see any other reason for them to hold my money from me. Then, in contradiction to their own documentation, they are telling me that they MUST return the funds to me via regular mail. Which of course, will take an addition 7 days for me to receive, that is, if no one steals it out of the mailbox. These big companies should not be allowed to XXXX XXXX with other people 's money. I have included their documentation explaining their Loss Draft Process which says NOTHING about them holding my money for 15 days, and that my funds can be returned via ACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
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:
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 items 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 XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$310.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$61.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX  Date of request XX/XX/XXXX ; THE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX Requested On XX/XX/XXXX ; XXXX Requested On XX/XX/XXXX ; XXXX XXXX XXXX  Requested 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 2022-11-10
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:
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 items 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 XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$310.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX  XXXX Balance : {$61.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX  Date of request XX/XX/XXXX ; THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX ; XXXX Requested On XX/XX/XXXX ; XXXX Requested On XX/XX/XXXX ; XXXX XXXX XXXX Requested 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 2021-08-14
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
i filled a dispute in regards to the incorrect items in my credit report it has been well over 30 days and i haven't received any investigating reports.

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 2022-11-10
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:
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 items 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 XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$310.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$61.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX  Date of request XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX ; XXXX Requested On XX/XX/XXXX ; XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX Requested XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: BCA Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
BCA FINANCIAL SERVICES INC IS HOLDING A COLLECTIONS ACCOUNT ON MY XXXX, XXXX AND XXXX CREDIT REPORT THAT IS NOT MINE. 
ACCOUNT NUMBER ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Experian Information Solutions Inc.
State: CT
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 no knowledge of this account and i have not transacted any business with this creditor. i have disputed this information in the past but Experian in collaboration with XXXX XXXX XXXX XXXX are disregarding any rights i may have and continue to report this fraudulent debt. This debt is associated inaccurate personal information that has been previously removed from my consumer credit profile.

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 2023-11-17
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a checking account with Ally bank on XX/XX/2023. Ally automatically sends a debit card once your account is funded. I funded my account XX/XX/XXXX and but I never received a debit card. 

Due to this, I was unable to pay several bills and had no way to access my funds. I requested a new debit card to be mailed and expedited to me, which I was told would take up to 7 business days. 

Because my bills were now overdue, I issued 2 wire transfers to my secondary bank account so I would have access to my funds during the additional waiting period for my debit card. 

Ally flagged my wire transfers and sent me an email telling me I needed to verify my identity and the wires. I spoke to several people, multiple times, and verified my identity, answered all security questions and patiently explained that I was sending money to myself so I can by my bills while I wait for my debit card. 

My account was then unlocked, I was told the wire transfers were approved and that no additional information was needed from me. 

Two hours later, I received another email from Ally stating that my account was restricted and that I needed to call to get my account verified again. I called and the agent gave me a # to speak to the loss prevention department, However they were now closed. 

So, this morning I called the loss prevention department and spoke with 2 different agents. They told me my account is under investigation, and refused to give me any further information. I explained to them that I need to speak with someone immediately as I could potentially lose my vehicle and Im behind on several bills because Ally will not give me access to my funds. I asked how long the investigation process takes and how I can speak with someone to resolve it and they again refused to give me any answers or to give me a timeline on when I can expect a response. 

So at this point, Ally is holding over {$20000.00} of my money that I can not access. Theyre an online bank so I cant even walk in and speak with anyone. They will not give me any answers or any updates regarding my case and wont give me the contact information for the department responsible for releasing my funds or account. 

Please, if the CFPB can help me resolve this before I lose my car, I need to pay my rent and my bills and I do not have much time to get this fixed.

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 2023-05-05
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 am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-19
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LVNV Funding has failed to provide lawful validation of this alleged debt, they have failed to provide their method of verification of this alleged debt, they failed to update this account to have been under dispute in the past and are reporting inaccurate information associated with this account like open account on my consumer reports. Each of these are blatant violations of federal law actively being committed. I am engaging the CFPB to aid me in the enforcement of my protected rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I will be enforcing my rights to obtain remedy for all damages caused by this company. Pursuant 15 USC 1692k and 15 USC 1681o there is no limit on monetary relief I can relief for all proved damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
State: PA
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 or about XX/XX/2021, I wrote a letter to Experian, XXXX and XXXX, requesting they investigate the overabundant unauthorized and unknown inquiries listed on my credit report. I asked this investigation be conducted in a timely manner, and to provide me with the results of the investigation, specifically the person ( s ) who initiated the credit inquiries where authorized and provide me with a copy of the authorization which they received to inquire upon my credit. I believe the numerous inquiries were of a result of a electronic breach at Experian, XXXX and XXXX, wherein my credit profile was compromised, I have received notification from each credit bureau that a breach did occur, and I believe as a result of this breach my credit profile was accessed causing unauthorized inquiries, in attempt to obtain credit under my name.

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 2022-11-10
Company: Experian Information Solutions 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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 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 explanation
Consumer complaint received 2020-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
THE DISPUTED BANKRUPTCY HAS BEEN DISMISSED FOR QUITE SOME TIME AND IT HAS BEEN REPORTING ON MY REPORT. THIS ACCOUNT HAS TO BE REMOVED OFF MY CREDIT FOR I DID NOT GIVE ANY AUTHORIZATION FOR THE ACCOUNT TO BE REPORTING ON MY CREDIT. THIS ACCOUNT HAS BEEN REPORTING AND I HAD NO KNOWLEDGE OF THIS, PLEASE INVESTIGATE THIS MATTER AND HAVE THIS ACCOUNT REMOVE AND PURGE OFF MY CREDIT.

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 2018-03-14
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018 I called the debt collector and inquired about information on all 3 credit reports. I asked about the amount on my report and informed the lady XXXX XXXX that i had insurance at the time of service. The original service place was XXXX XXXX XXXX hospital informed me at the time of service that everything with my insurance had been verified and I was only responsible for my co-pay which was only {$25.00}. I payed that amount each time I was seen. I called XXXX  companies and asked about the price and could she send me proof and also if I was responsible could they offer a settlement amount and pay for delete. In the conversation the lady XXXX informed me that I owed a total of {$760.00} that was incorrect!! From what I seen on my report it showed {$560.00}. This is false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, 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:
In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my Consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT. OF EDUCATION - XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 ) States A consumer reporting agency can not furnish an account without written permission.

15 U.S.C. 1681c. ( a ) ( 5 ) States that as a consumer reporting agency you can not furnish a consumer report containing any adverse information other than records of conviction of crimes in 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 the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I woke up this morning to find that Wells Fargo has opened 2 new checking accounts in my name. I did not authorize this.

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 2022-08-09
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check on XX/XX/XXXX and after the 3 to 5 day hold, Citibanks fraud department had put a block on my whole account, but the issue that I had with that was that I ended up having to call them to find out that there was even an issue with the check that was deposited. so now with my whole account frozen I have to borrow and inconvenience others to get needs and things done all weekend. 
the following monday I literally spent at least XXXX hours trying to get someone to help resolve the issue, but everyone seemly has the I cant do anything attitude. it took hours to get anyone on a phone and almost as long to attempt a solution. so after driving all the way to a branch to verify my address and the check deposited, and then waiting for hours again to get someone on a phone again, as instructed, just to be told no still. apparently the previous agent neglected to do a step or two on their end and now I have to be inconvenienced for yet another day. now I have people calling and payments bouncing all at a time in which I am trying to repair my credit, how do you think thats going to look when applying for any loan, let alone a home loan I suggested they could have simply extended the hold on the check deposited until they received what information was needed to proceed with the processing of the check but they instilled to freeze the whole account, thus putting myself in what looks like another financial burden. all this time not one supervisor nor manager was able to be reached to help with anything they seemingly acted as if they didnt care or as if it wasnt even a bother for them to upset a clients plans or financial situation I almost forgot to mention that the check on deposit is drawn on their bank by another Citibank client, so they have all the information they required

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