BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
accordance with the fair credit reporting act XXXX Account xxxxxxxx XXXX, has violated my rights. XXXX5 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 2017-04-16
Company: Berndt & Associates, P.C.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A scavenger debt company, XXXX XXXX XXXX retained this lawfirm to garnish my state income tax. I do not owe a debt to any company for the amount indicated nor did this company make any initial attempt to collect it before. They are trying to force me to pay XXXX in 14 days! I owe no such amount! This letter came out of nowhere and apparently they hacked into my private information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX   XXXX  XXXX  # XXXX {$7600.00} XXXX XXXX  XXXX  # XXXX {$310.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX Transunion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX  XXXX  XXXX  # XXXX {$7600.00} XXXX XXXX  # XXXX {$310.00} Inquiries : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  # XXXX {$7100.00} XXXX XXXX XXXX # XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$460.00} XXXX XXXX XXXX # XXXX {$520.00} XXXX XXXX XXXX # XXXX {$7600.00} XXXX  # XXXX {$310.00} XXXX XXXX XXXX XXXX   # XXXX {$190.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  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 explanation
Consumer complaint received 2017-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THIS ACCOUNT WAS A CHARGE OFF AND DEBT PAID IN FULL (  XXXX  ). i WAS PROMISED THAT WHEN THIS DEBT WAS PAID THAT IT WOULD BE REMOVED FROM MY CREDIT REPORT. DEBT WAS PAID  XXXX / XXXX / 17 . I HAVE CONTACTED THE COMPANY REPEATEDLY AND THEY INFORMED ME THAT THEY WOULD SEND OUT A LETTER TO THE CREDIT REPORTING AGENCIES TO HAVE IT REMOVED FROM THE AGENCIES BUT IT STILL HAS NOT BEEN REMOVED. I JUST KEEP GETTING THE RUN AROUND AND THEY KEEP INFORMING ME THAT THE LETTERS HAVE BEEN SENT. PLEASE HELP ME REMOVE THIS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed this debt several times with  Portfolio Recovery Collection  and asked for verification and validation.  Portfolio Recovery  did not provide any of the requested information, however the company updated my credit report to indicate that I have an " Open '' account with them in collections. I have not ever done business with this company and have requested that the erroneous account be removed from my credit report.      Portfolio Recovery  is reporting that I have  two  open accounts in the amounts of {$1200.00} and {$2600.00} for a total of {$3800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have been the victim of wire theft involving Wells Fargo. 

On XX/XX/2018, I wired {$220000.00} to a Wells Fargo account - I believe in XXXX XXXX - ABA XXXX, Account number XXXX. 

I was in the process of buying a home in XXXX, PA. I was paying cash rather than taking out a mortgage. I am a XXXX-year old retiree with no current income and was using my savings to buy a new home. I was instructed to move the above amount by a wire fraudster using the name and email format of my Title Insurance Company with whom I had been corresponding on a regular basis. 

I discovered the theft within 3 days and notified my bank XXXX in New York who then contacted Wells. 

XXXX received 2 sets of repayment from Wells Fargo on my behalf - {$34000.00} and {$22000.00}. These were credited to my account on XX/XX/2018. 

A remaining {$160000.00} has yet to be returned to me and I have received no information on how the amount returned was calculated and where the rest of my money is.

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 2018-12-07
Company: Williams, Rush & Associates, LLC
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: Old information reappears or never goes away

Complaint:
I had an installment loan for an online college. The initial date was XX/XX/XXXX. I  tried the school for a while and was never able to schedule any exams with them. Do to the difficulty accessing the exams for class credit, I stopped using the program. I signed up for a local college and stopped making payments to the online school. This dept should be removed from my credit score in XX/XX/XXXX. The debt was closed on XX/XX/XXXX. The debt was purchased by XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX. XXXX, Tx. XXXX ; Representatives from this company call me several times a day ( I've block several of their numbers ). They have threatened me and even tried to contact relatives and the school I currently attend. They have threatened that they will block my XXXX license, send the sheriff to arrest me at my school and even at my child 's school. There is no account number for this company on my credit report and they would not tell me any number or identifying information when I requested it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Experian Information Solutions Inc.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXXXXXX ). 
( XXXX  XXXX ). 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
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: Was not notified of investigation status or results

Complaint:
I disputed in XXXX unauthorized inquiries and multiple accounts that are not mine and several others that I was never late on. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX The original balance is {$8000.00} my account was Legally paid in full for less than the full balance and my document from XXXX proves this information to be valid and true. Transunion is reporting something completely different.

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 2022-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Hi, My name is XXXX XXXX. On XX/XX/XXXX I was charged {$900.00} on a Neiman Marcus charge card which is issued by Capital One. I received a statement in XXXX in which I didn't recognize the charge and I called Capital One. The said they would investigate and opened up a case. The case number was XXXX. I received a letter on XX/XX/XXXX stating it was resolved and the charges were reversed. Shortly thereafter I was again charged the full {$900.00}. I made calls both to Capital One and Neiman Marcus. I was I informed that the charge took place in a Neiman Marcus store in XXXX XXXX Florida on XX/XX/XXXX. I was never in XXXX XXXX during that time. I have records that I was physically in NJ that week and I also have XXXX  receipts that show my toll history for that week as well. I was never informed what the purchases were that amounted to {$900.00}. In all honestly, I rarely use this card as I haven't been shopping at XXXX  much. Capital One was not interested in my proof and got quite nasty with my on the phone. Their explanation was that since I was in possession of a card it had to be me at the store. They declined to send me a receipt or to let me know which card was used since apparently the sent me an updated card in XXXX or XXXX. I normally get emails and transaction alerts on the app when I do make charges and I never received an email or alert in XXXX. My last email and alert on the app was in XXXX for a minor purchase. My phone number is on my profile and always used during purchases to get points on the transaction. For this {$900.00} transaction my phone number was not used and I received no points. I'm frustrated and disappointed in both the lack of transparency with Capital One. I thought they worked with their customers rather against.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
accordance with the fair credit reporting act XXXX Account xxxxxxxx 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 2020-10-07
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called Wells Fargo Mortgage while I was XXXX to see if there was any assistance they could offer. They advised me I could have a 6 month forbearance and would not be marked as delinquent and at the end of the 6 months they would review my account and put me on a plan to pay the amounts I was behind. At the end of the 6 months they marked my credit report late during the months I was in forbearance. I called and the corrected it then they told me I had to fill out an application for a loan modification. I have filled it out 3-4 times, sent the documents in 4-5 times. They have lost it, can't find it, took it out of review, put it back in review. They have changed my case manager 4 times and the last one, XXXX XXXX is as rude as they come. They told me they don't take emails ( which is how I sent the documents ) and they tell me to go to www.wells.fargo.com/assist and I can't or have never been able to get onto that website. I am home with a broken ankle with no access to a fax machine. I have been trying to get this resolved since XX/XX/XXXX and they won't process my loan modification or tell me what is going on. I have been sending them $ XXXX {$700.00} every two weeks to try and catch up and sine my mortgage is {$1200.00}, they send me checks for {$200.00} back saying I over paid?

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 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Request for Investigation of Unauthorized Inquiries. 

I checked my credit report and I noticed there were inquiries that I did not recognize from : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I contacted the companies here that placed inquiries on my report and asked them to remove their credit inquiry from my credit profile. I also asked them to to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate and investigation into this inquiries on my credit report to determine who authorized them. Once your investigation is complete you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy o fly credit report at my address. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thanks for your help and assistance.

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 2022-09-11
Company: Experian Information Solutions Inc.
State: TX
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:
I HAVE TOO MANY OPENED ACCOUNTS PLUS NEGATIVE ITEMS THATS SHOWN ON MY CREDIT REPORT FOR ALL 3 CREDIT BUREAU AND THATS DECREASING MY SCORE EVERY SINGLE MONTH

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 2022-03-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of Identity theft. I have enclosed my ID and Identity theft report proving it is in fact me that submitted this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
To regulators, This is my 3 or 4th complaint against TD Bank. They are literally much worst than the problems of XXXX XXXX. Right now, there was a fraudalant charge that TDBank flag to me over text and ask if that was real. I answer back over text that its fraudulant. They text back they will review that over text. Normally, I expect them to freeze that charge like before, somehow their new run-around setup is all no help and fraud charge noted in the text answer stated above went through and posted on XX/XX/2019 after my additional message on the TD Bank website saying its fraud a second time. 

After waiting about 6 to 8 hours, I went on the website to ask for update of my claim that its fraudulant charge. No answer over 24 hours. Then I called in, nobody understand nor care to fix the at-issue item I repeatedly stated about the fraud charge, they say " not my dept '' or " not my job '' run-around. Nothing gets done and a waste of time either going to through unending verification and then no help or a direct person that handles CFPB complaints and say its " not my dept '' can't really help. Thats why I am submitting another CFPB complaint to get actual help. 

The only possible results has been asking regulatory actions against TD Bank and revocation of business due to repeated setup of harm to consumers and their access to service. I ask your organization to start regulatory reviews of TD Bank products and services. I only get anything done in help by official complaint and hope there's repeat heavy fines against the organization and their personnels. 

The fraud charge was for " XXXXXXXX XXXX '' of - {$130.00}

Company response to consumer: Closed with monetary relief