BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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've been attempting to dispute fraudulent accounts with the bureaus since XX/XX/XXXX when they were first brought to my attention. I mailed out the first letters, which USPS tracking showed were delivered on XX/XX/XXXX, requesting the fraud accounts to be investigated and removed if found to be fraud. I received no response, so 35 days later, I sent another letter which was delivered on XX/XX/XXXX. Another 35 days and I still received no updates and the items were still showing on my report. This was troubling. So I sent additional letters, giving the bureaus time due to COVID. The letters were delivered on XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. To date, I have received no updates, the accounts are still showing on my report and my lawyer is getting antsy to sue. This is my last option for the bureaus to remove the false accounts before I take up my lawyer 's offer.

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 2022-01-10
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Sunday, XX/XX/XXXX I was contacted for an interview from a person who got my information from XXXX. On Monday XX/XX/2021 I had a job interview from a person ( XXXX XXXX ) misrepresenting themselves as Talent Acquisition for XXXX XXXX ( An actual company with a person under this role, I researched ahead of time ). After a two hour long interview process I was hired and sent documents to sign as an employee of this company. It was explained to me that I will have to purchase and keep strict records and receipts of the equipment that I will need in order to work remotely. I was sent a check for {$2900.00} ( XX/XX/2021, enclosed along with email ) from their accounting department and told that once the check cleared from my account ( which Huntington Bank cleared IMMEDIATELY ) I was to use those funds to purchase the equipment. The money is to be sent to a vendor the company has been using for years. I was instructed via email ( enclosed ) how to deposit the check electronically and how to use XXXX to pay the vendor. If Huntington Bank did had not cleared the check so quickly I may have been alerted to the fact that this may have been a fraud. Under the UCC ( Uniform Commercial Code, a bank has a duty to ensure fraudulent checks don't pass through your account. Huntington Bank which was supposed to be my first line of defense against fraud failed to do this. I reported the fraudulent transaction immediately to Huntington Bank, XXXX, the FBI, XXXX XXXX and contacted the XXXX XXXX and XXXX to let them know that their company was being used in fraudulent activity. 
As for XXXX ( which I had never used before ) If customers are asked the simple question DO YOU PERSONALLY KNOW this person, instead of, do you trust this person, I would not have used XXXX. Of course I trusted the transaction, as far as I was concerned this was the XXXX XXXX money from the check that Huntington BANK cleared immediately. I did not realize that this was my husbands money. Both Huntington Bank and XXXX were misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: ERC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Commonwealth Financial Systems, for committing identity theft. I have never given Commonwealth Financial Systems, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with Commonwealth Financial Systems and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/22, I have not received any documentary evidence, such as a trilateral contract, giving Commonwealth Financial Systems any right to collect on this alleged debt. I have never received any documentation requesting validation from Commonwealth Financial Systems, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Commonwealth Financial Systems, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Commonwealth Financial Systems, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Commonwealth Financial Systems, continues its collection efforts, I will file for litigation for actual damages caused and Commonwealth Financial Systems, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: AZ
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 XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX XXXX. Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, AMERASSIST Account # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2023-07-16
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: Account information incorrect

Complaint:
Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days ago on XX/XX/2023. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 90 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct 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 non-monetary relief
Consumer complaint received 2023-06-11
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Someone stole my purse which had my social security card in it last month, And I received a mail yesterday from XXXX bank saying that they can't issue a credit card for me, and I never applied for a credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I requested a refund for payments I made to my federal student loans during the forbearance period that started in XX/XX/2020. I was told it would take up to 5 months to receive the refund when it is taking other servicers 4-5 weeks to refund borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Resurgent Capital Services L.P.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
U.S. Code 15 U.S.C. 5 1681 Section 604 of The Fair Credit Reporting Act According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all Information that is inaccurate, Incomplete, or which can not be verified.

15 US.C, 1602 ( g ) 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) 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 Which is a {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a replacement card for my Visa card which doesnt expire until 2015 and it was a MasterCard not a Visa. 
I called Capital One on XX/XX/XXXX and was told I needed to close my Visa account because I havent been using it at stores where Capital One makes money. I said I need Visa in order to shop at XXXX. The man repeated his statement. 
I have not activated the unsolicited card and I have continued to use my Visa card and will continue to do so until it expires. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
U.S. Code 15 U.S.C. 5 1681 Section 604 of The Fair Credit Reporting Act According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all Information that is inaccurate, Incomplete, or which can not be verified.

15 US.C, 1602 ( g ) 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) 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 Which is a {$1000.00} per violation

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 2018-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, I applied for a car loan online. Through the company I was applying for, they ask for a credit report from Transunion for {$1.00}. I put my credit card information to pay for the credit report. I was then directed to the Transunion website to create a username and password to put in my information to get the credit report. I completed the tasks and the credit report was sent to the company I applied to. On XX/XX/XXXX, Transunion took out {$19.00} out of my checking account. When they took out {$19.00}, my account went into the negative which {$27.00} was also charged to my account for overdraft fees. On XX/XX/XXXX, I called Transunion to speak with them on why they deducted the {$19.00}. I was told that when I paid for the {$1.00} report and was directed to create a username and password they automatically put me in a free trial. I told the lady that I spoke to that I did not agree to a free trial. I asked her to cancel what they had me signed up for and I asked to be refunded my money. I was told that Transunion does not do refunds. I then asked to speak to her Supervisor she said there were no supervisors there.

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 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
First the date I opened the account varies depending on which bureau you view it from the amounts are all over the place. The fair credit act starts every thing must be 100 % accurate or removed from my 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 non-monetary relief
Consumer complaint received 2019-04-16
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:
Hi my name is XXXX XXXX. I'm currently in the market to purchase a home and before I actually start the process I wonted to review my credit report. After carefully reviewing it I notice a couple of items that are not mine and I have no idea where they came from. Its kinda of scary that something like this can happen. These items are not mine and I have no idea how this happened but these items need to be removed from my credit report. I have contact the FTC and my local police. Im doing this on my own behalf. 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 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 2019-11-27
Company: HUNTINGTON NATIONAL BANK, THE
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I received a letter from Huntington dated XX/XX/XXXX informing me that they would be deleting the loan account ending from my credit bureau reports. I would like to know if the credit inquiry associated with the loan account will also be removed. 

In my original CFPB complaint, I stated on XX/XX/XXXX I spoke with the underwriter who finalized the deal about the income that the bank received in the credit application. The underwriter informed me that the credit application from the dealership had the incorrect income, but she assumed it was an error because she knew the loan would not get approved. The underwriter informs me that a zero was added to the income without verifying with the dealership. 

Huntington CFPB response on XX/XX/XXXX was " Upon further review, I confirmed that when Huntington received the credit application, it was identified that the amount of income disclosed on the application may have been entered incorrectly ; therefore, we contact the dealership to retrieve the corrected income amount. Please be advised that as a result of the updated information, Huntington approved and funded your request for financing. '' In the first CFPB complaint feedback and the second CFPB complaint, I refuted your claim that the bank contacted the dealership to retrieve the corrected income amount BEFORE approving the request for financing. Based on the conversation I had with both the underwriter of Huntington and the finance manager of XXXX XXXX XXXX on XX/XX/XXXX, I do not believe Huntington contacted the dealership to verify the income before approving the request for financing. 

I would like to get clarification as to why Huntington is claiming that they indeed contacted the dealership before approving the request for financing while the underwriter and finance manager claims otherwise. Proof/evidence of Huntington contacting the dealership before approving the request for financing would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Good day! 
We would like to file a complaint to Fay Servicing. 
We are working on a short sale and until now there is no decision yet from Fay Servicing. We already escalate this several times but the status is still the same. The point of contact for this file is XXXX XXXX but she has not escalated this or make an effort to get the decision. The value of the property is {$240000.00} and the buyer 's offer is {$240000.00}. So we don't see any reason why it was not yet approved. 

XX/XX/XXXX- The file was tagged to have a complete package for the short sale review. 
XX/XX/XXXX - The file was tagged that it was under investor 's review. 
As of today, there is no short sale approval yet. It has been 2 months that they got the complete package but the file is not making ny progress. 

We would like to get the approval letter as soon as possible because we don't want to lose this buyer that has been patiently waiting but sad to say until now it was yet approved. 

Thank you. We greatly appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX wont see it my way just do everything they want in the first place how can you say my payments were lare they were made as always and you guys accepted them instead of returning them to XXXX which would of gave me idea payments were messed up but you guys kept accepting payment from me instead of sending them back wgich would of gave me a inkling to problem that was happening you accepted monthly payment every month instead of saying no not enough. i made my payment like clockwork till i got a letter in may which made me up money which i thought was overdue taxes tp make amount you wanted for may.the exces amount was not due till XX/XX/XXXX which means you got what you wanted payed to you guys ahead of time.the amount that was past due was on account which i pay ahead of time and you got mothly amount due payed ahead of time.

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 2022-11-18
Company: EQUIFAX, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the debt collector violated 15 u.s. code 1692g Validation of debts. they never written me a validation letter that these accounts was my debts that i owed. account number XXXX, account number XXXX, account number XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Received text message from Wells Fargo of unusual activity with my personal checking account on XX/XX/22 for a {$300.00} withdrawal. I am the only holder of the card. I do not share the card with anyone. The card was in my physical possession. 

Logged into account to find 5 rejected drafts from the ATM on XX/XX/22 for {$300.00} a piece. 
Found two overwritten drafts from the ATM on XX/XX/22 for {$700.00} and {$300.00}. 

Contacted customer service on XX/XX/22 to report activity and closed card and order a new card. 

Upon arriving home the same day from work logged into my joint account with my husband and found two tele transfers from my joint checking account to my individual checking account ; {$1200.00} and {$580.00}. 

Contacted customer service again on XX/XX/22 to report unauthorized transfers from my joint account to my individual account. 

Wells Fargo claim center looked into the dispute and concluded myself or someone I had authorized accessed my account at an atm in XXXX, TX. 

Received Claim documents from Wells Fargo XX/XX/22.

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