BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: EQUIFAX, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$360.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: FL
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have submitted several disputes to TransUnion regarding inaccurate, unauthorized or fraudulent information being listed on my credit report. They have failed to properly and legally investigate my disputes going as far as sending letters stating that they don't believe the disputes are coming from me or an authorized party on my behalf. I sent the letters and request both certified mail and first class mail. I've been sending disputes since XX/XX/XXXX with the last certified letters being delivered to TransUnion on XX/XX/XXXX according to my tracking information. They are in direct violation of the FCRA and these matters need to be resolved immediately. I have attached copies of my last dispute as well as their response to it. I have also included the FTC Identity Theft report I attached to the disputes.

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 2020-07-16
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This collection is a medical debt for emergency services provided on XX/XX/2016 in South Carolina. The statute of limitations for health debt in the state is 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 have attempted to rectify this issue directly with the agency and this is my second attempt with the CFPB. The initial complaint took longer than 30 days and did not fix the error with TRANSUNION, nor has proof of written consent been provided following the investigation. 

In accordance with the Fair Credit Reporting act. The listed of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXX SYS : # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes 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 that the information is inaccurate.

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 2023-04-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Back in XXXX of XXXX I sent XXXX $ to a company called XXXXXXXX XXXX owned by XXXX XXXX and XXXX $ to the acquirion group owned by XXXX XXXX and XXXX XXXX both companies scammed me out of the said amount and blocked me from contacting them to request a refund. Wells Fargo admitted that acquirion with XXXX was a complete fraudulent company they refunded the money then took the money back because they said it was with a third party XXXX XXXX My account was then overdrawn and closed. And because XXXX specified a specific amount I would get each month I literally had no money to put into the account!!!! They were an e commerce firm that promised to help me start a successful XXXX Business.its been 7 months i haven't made any money and they have blocked me from contacting them i filed a dispute on XXXX of XXXX, XXXX and XXXX and Wells Fargo refuses to help me. These fraudulent people should be stopped!!!! My financial institution should help

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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be corrected ASAP. Thank you. 
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 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 2023-04-26
Company: Affiliates Management Company
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX and XXXX i withdrew {$500.00} from my wifes sound credit union card. On XX/XX/2023 approximately XXXX at XXXX XXXX XXXX XXXX XXXX, WA XXXX. I inserted my XXXX XXXX XXXX XXXX card into the CO-OP ATM attached to the XXXX XXXX XXXX building right next to the front door. I inserted XXXX {$20.00} bills, {$1000.00} cash into the atm, i did not click to receive a receipt because ive never had a problem with this ATM. A message popped up on the screen saying i could not deposit more than 30 bills so i clicked to have the cash returned, as it counted my money an error message popped up saying the cash couldnt be returned and to continue with the deposit. The machine then beeped for me to remove my card, when i went into the XXXX the manager told me to go to XXXX and when i went there the XXXX representative said there was nothing to reflect on my account. The XXXX XXXX debit card dispute team did an investigation into the matter and provided me with a {$1000.00} provisional credit for the duration of this investigation. On XX/XX/2023 without warning the {$1000.00} credit was removed, when I called XXXXXXXX XXXX they said that the investigation results came back and there nothing appeared wrong and that XXXX XXXX XXXX told them I had benefited from the transaction.The transaction of my {$1000.00} I still havent received? That makes absolutely no sense, when I talked to the branch manager in person at the XXXX, she had told me that the people that count the money from the CO-OP ATM will be able to tell if there is money thats unaccounted for and that I would be able to get that money if they found it, but I havent been told anything and I still dont have my money.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-04
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Truist bank is now holding all checks i deposit for atleast 10 days even a {$2900.00} check. I currently have a check for {$5800.00} they are trying to hold until XX/XX/2026. I have called multiple times local and corporate I have been in office and no one will fix it. It is becoming a hassle to bank with them when they are literally holding every dollar i deposit they are currently holding {$8900.00} of my money for no reason

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 2023-04-26
Company: The CMI Group, 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 got a notification on XX/XX/23 of a negative account being reported to my XXXX credit file. I spoke with XXXX XXXX at CREDIT MANAGEMENT XXXX, who stated that they sent over notification to remove the account from my file due to the original creditor pulling the account back on XX/XX/23. That still do not correct the negative impact to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting 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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-04-26
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:
Equifax is reporting an account with XXXX XXXX XXXX on my credit report without my written authorization. Pursuant to the Fair Credit Reporting Act Section 604 ( a ) 2, I am instructing Equifax to block this account from the credit report of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Alorica 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: Account status incorrect

Complaint:
I am filing this complaint against XXXX and SSTXXXX for continuing to report and furnish inaccurate information on my consumer report after several disputes have been launched and being in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUITY LOANS LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, closed on our new home with Equity Prime Mortgage ( EPM ) via XXXX  XXXX  in XXXX, Florida ( home address- XXXX XXXX  XXXX XXXX, XXXX XXXX FL XXXX ). 

All was well, budget payment ( auto pay-2 half payments a month ) until our mortgage got sold to XXXX XXXX XXXX XXXX XXXX ) a few months later/end of XXXX. 

Since our escrow account at XXXX has been at a negative status. XXXX said it was related to insufficient escrow amount, when we paid more than the full amount of taxtes to be due at closing, and during scheduled payments afterwards and to current date. Upon escalating at XXXX ( XXXX ) to no resolve, we reached out to EPM ( XXXX ). 

EPM after weeks and many follow up calls by us said someone paid our property taxes twice with the county. EPM then said they reached out to our XXXX XXXX FL property tax department obtained a check ( # XXXX for {$4800.00} ) that was mailed out to XXXX via USPS tracking USPS XXXX XXXX XXXX XXXX XXXX. 

However, our concerns are still not resolved now months later. Turns out XXXX does not have the " overage check ''. Per our call to USPS ( XXXX ) per tracking # XXXX XXXX XXXX XXXX XXXX the package was sent from EPM ( XXXX, CT XXXX ) to wrong city and wrong zip for XXXX, the XXXX XXXX XXXX was correct though. 

Sent to XXXX at XXXX XXXX XXXX, XXXX, NJ XXXX, instead of to XXXX XXXX XXXX XXXX, XXXX NJ XXXX. 

One of the EPM escalation contacts is at XXXX at XXXX, ext. XXXX has still to no resolve. 

XXXX contact XXXX, spoken to XXXX, XXXX ( id CRD ) said there are no direct supervisor, that we could submit a written request, she would look into it and call us back.

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 2023-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account at the Bank of America at XXXX XXXX XXXX XXXX, XXXX, CA XXXX with the Banking Representative XXXX XXXX in late XXXX. 

Thereafter, I opened up Trust Accounts with POD 's for my children at the Bank of America XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

On XX/XX/XXXX my savings account had {$94000.00} in it. Shortly after all my money was gone. When I inquired about the whereabouts of my money in person, the banking reps told me to speak with the Bank Manager. The Bank Manager advise me to call the XXXX number. They gave me the run around. 

I paid {$400.00} to order bank records. They sent me the wrong bank records. 

I contacted FDIC they advise me to contact The Office of Comptroller of the Currency and the Consumer Financial Protection Bureau regarding my missing 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 2023-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I was informed that I owed {$19.00}, XXXX  on a XXXX XXXX XXXX capital one credit card ( XXXX ) of which I did not apply for. Obviously, someone fraudulently was able to use some of my information to open the account. When I told capital one that I don't have a card ending in XXXX they did an investigation and concluded that the card belongs to me. I challenged their conclusion and they have re-initiated another investigation. I have filed a police report ( XXXX XXXX XXXX, case # : XXXX ), put a freeze on my credit and filed a fraud report with Social Security.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX card, 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 2022-10-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I submitted a payment by electronic check to the bank I use for my auto loan and they sent an email stating there was an error and the payment could not be processed. I processed another payment by debit card. Soon after, they withdrew my checking account that I initially used. I disputed the transaction with my bank after I tried to let them know it was a payment that wasnt supposed to go through. Both payments were reversed and the company is reporting my account incorrectly. Ive tried to ask for leniency because Im getting my credit back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 has violated my federally protected 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes 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 that the information is inaccurate.

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