BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX 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 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 2016-10-17
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I called inquiring about service. Thought I was going to go with you. a few hours later I decided not too. You billed me today for services I do n't have .... {$73.00}

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 2022-08-29
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report and letters dated XX/XX/2022. Since it is a necessity by regulation 605b of the FCRA I'm sending again this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to be disputed/deleted in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXXXXXX Balance -, XXXX XXXXXXXX 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 2020-03-08
Company: EQUIFAX, INC.
State: OH
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:
These bad addresses is a big problem for me, I found addresses that I never lived at on my credit report. My name is XXXX XXXX XXXX please remove any other name from my file it is not accurate. my SS Number is XXXX my date of birth is XXXX. 
Please delete these no good addresses that are not mines : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these phone numbers not my numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, 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:
XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$9200.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$470.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible XXXX XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$40.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible .XXXX XXXX XXXX # XXXX XXXX XXXX, Amount {$8100.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible XXXX XXXX, AC # XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX  XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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:
XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$9200.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$470.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible .XXXX XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$40.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible .XXXX XXXX AC # XXXX XXXX XXXX, Amount {$8100.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible XXXX XXXX, AC # XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX  XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: VA
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:
Someone has access to my personal information and is using it to open up credit card accounts

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 2020-09-28
Company: Resurgent Capital Services L.P.
State: MN
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:
LVNV is reporting that this account was opened XX/XX/XXXX, when in fact, it was opened around XX/XX/XXXX when we had our dogs in the Vet ER due to a botched spade. It has greatly reduced my credit score as it appears as a new account since they decided to report it XX/XX/XXXX. This information scheduled to remain until XX/XX/XXXX where it will exceed the FCRA limitation. I wish to have this information corrected with the correct date the account was opened, not the date they decided to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX BANK Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX  XXXX XXXX Account Number 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 explanation
Consumer complaint received 2016-05-24
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Department Stores National Bank has violated the North Carolina Debt Collection Act 75-50 to 75-56. Harassment. ( 3 ) Causing a telephone to ring or engaging any person in telephone conversation with such frequency as to be unreasonable or to constitute a harassment to the person. 

Department Stores National Bank has violated the Telephone Consumer Protection Act ( 47 U.S.C. 227 ) by its actions of calling consumer 's cellular base telephone number using automatic telephone dialing system and artificial or prerecorded voice ; 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ).

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 2017-08-08
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: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or D.O.B. in order for it to appear in your credit file. The credit bureau has not updated the information as per the new law true bankruptcy listed does include this information and should be deleted 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 2017-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I would like to know how do I pay back bank of American my out standing amount

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 2020-01-16
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Step 1 : What is this complaint about? 
I am trying to make a payment to Wells Fargo Financial Institution and they are demanding i provide my full social security number. I have identified and confirmed my PII and the institution again still demands I provide my FULL social Security number. 

Step 2 : What type of problem are you having? 
The Financial institution demands I provide my full social security number and demands I provide it per their policy. Wells Fargo has refused to provide me their policy and demands I give them My social Security Number. 

Step 3 : What happened? 

Wells Fargo is refusing to provide policy that I believe puts me and my family at risk for Identity theft and they will hold me as a consumer late if I do not give them information that they have confirmed they already have. 

Step 4 : What company is this complaint about? 
Wells Fargo Home Mortgage Step 5 : Who are the people involved? 
XXXX XXXX Employee # 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 2017-08-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Citizens One home loans the mortgage company. I 'm am trying to assume my mother loan I have Power of Attorney the lender said I could assume the loan. I been going to court for a year and they keep requesting the same things over and over again. So that is making the legal fee 's go higher and I been giving them every document that they are requesting Here are the dates of the RMA being sent to the lender attorney on first packet was sent on XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX, 1 ) Missing documents letters for documents that I have sent before.XX/XX/XXXX the lender was requesting Retirement benefits letter from provider, declaration page of homeowner insurance and Tax bill.2 ) XX/XX/XXXXMissing documents letters for Property taxes and homeowner insurance. other request from the lenders attorney Missing documents emails  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,2/2/17,XX/XX/XXXX the mortgage lender attorney been requesting for pension letter, property taxes & homeowner insurance, contribution letter sign and dated, hardship letter sign and dated and also asking for power of attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: U.S. BANCORP
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
In XXXX of XXXX, I got a new USBank Kroger card. The first day I used it once and then when I tried to use it a second time, the fraud department called and put me on hold for more than 45 minutes. By the time they answered, I was driving and unable to receive a text message, so they reported the card as being used fraudulently. They did not tell me this, and I spent more than 6 hours on the phone over the next several days trying to resolve the issue. I was billed for the first charge, so they clearly know it wasnt fraud, but they still shut down my card. I was very inconvenienced, my credit was affected, I wasted many hours, and I was treated very poorly by the staff.

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 2020-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had been trying to make my monthly payment to my secure Capital One account, the payments were returned to me. I made several payments before the due date and Capital One returned my payment because I made the payment before the due date. I was finally able to make the payment on the due date which was the XXXX of XXXX, the credit due to the payment was not applied to my account to this date has not been applied yet. I thought it was but to my surprise it was not and I did not find out about this until I had to rent a vehicle and I found out the card did not go through. I made a payment on the XXXX the credit due to the payment has NOT been applied. please assist. Capital one is doing this in a way they are over charging customers. the best way to get a hold of me is via cell at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this account. I think they have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX XXXX : {$0.00}

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 2020-01-16
Company: Lloyd & McDaniel, PLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am getting suied by XXXX XXXX that bought the account they have not show proof they own this or a signed and they sent a bill of sale with no proof they bought my accounts it states accounts so how thst proof of whst they bought the affidavit they sent where say acc number is black out and is false signed the person the wrote it didn't even sign it has another name with out proof contract they own this should be false law suit and against the fdca them trying collect some thing proof they dont own

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this account. I think they have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: ACCESS GROUP INC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hi - I recently was notified by a collection agency that is now threatening me to pay on my private student loan that was sent to them by Access group on XX/XX/2020. The servicer, XXXX XXXX has all my information including XXXX phone number and email ), I was in a payment plan with them and when it ended the last attempt they contacted me by email was on XX/XX/XXXX. They put the loan in default without notifying me and sent it back to Access on XX/XX/2020. On XX/XX/2020, Access then sent it off to a collection agency and I received a call from them harassing me to pay the entire debt of the loan which totals approximately {$8900.00}. 
There was no attempt from Access to contact me to possibly see during XXXX, I can enter into a payment arrangement or possibly a forbearance. I have experienced hardship during Covid -19 and was able to make arrangements with my other student loans, I can not believe that they would send a student loan to a collection agency during this time. Access has all my contact information and could of reached out to me via email to make an attempt to collect or arrange a payment plan prior to sending to a collection agency. 
I think that Access group took advantage of the situation to send this debt off to a collection agency and remove it from their books.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Empowerment Ventures, LLC
State: NJ
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Back in XXXX, I learned through XXXX that RushCard would be updating their system on XXXX XXXX from XXXX - XXXX. The RushCard post advised that you take out money just in case. I did not, because I felt that I had no immediate need for my money and a day or XXXX without, I could survive. 

Well, now it 's a week later and I still do not have access to my funds. It may seem like pennies to most, but I am the wage earner for my family of XXXX and EVERY penny counts. 

The lack of information regarding when RushCard will be fully functional and the encouragement for you to call, email, or message your info and someone will get back to ; only to receive a text about waiving fees and no further information about when everything will be back to normal. 

My husband and I have XXXX children, an XXXX XXXX old and a XXXX old and without having access to my money I was not able to properly feed the over the weekend. Do you know how had it is to get my XXXX child to eat something different? Let 's just say I could not wait until the weekend was over so he could be in school for breakfast and lunch ( FREE ) and eat what he is accustomed to. Dinner tonight is another story. 

If it were just me, you would n't have heard my complaint. But this is affecting my family. 

Sincerely, Head of Household

Company response to consumer: Closed with non-monetary relief