BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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:
Several hard inquiries are listed on credit reports, after several attempts to have deleted, all unsubstantiated. Verification not thoroughly done nor have I received. 

All three bureaus XXXX XXXXXXXX XXXX XX/XX/XXXX Called and stated they did not pull any credit report despite I did not apply for a XXXX  XXXX card XXXX XXXX XXXX  XX/XX/XXXX I did not apply for any such credit with this company nor was I actively looking for credit at this time because my family was having COVID emergency. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX on Transunion XX/XX/XXXX along with XXXX which I believe to be accurate. However, XXXX is reporting two more inquiries that would not have been me XXXX times to the same place in a matter of days and transunion reporting just the XX/XX/XXXX Consumer reporting agencies shall block reporting of information that the consumer identifies resulted from an alleged identity theft no later than 4 business days despite disputing several times these inquiries continue to remain on reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
XXXX XXXXEvaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX -I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX XXXX XXXX You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX XXXX XXXX - You are allowing an inaccurate history of this account to be reported. Please investigate, gather documentation proving accuracy, or delete this 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 2017-10-24
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
this banks ran a hard inquiry on my credit report without my authorization on XXXX/XXXX/XXXX I when to look for some vehicles but at no point I told sales rep to run my credit now my is it XXXX and it was at XXXX please help XXXX XXXX XXXX. XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXXl XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX Ally Financial XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX from 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 2017-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been the victim of on going and troubling ID THEFT. I have several fraud items reporting on my credit report. I have sent police reports as well as other supporting documents showing this to be true. Transunion has stopped responding to my request to remove these fraud items. The person responabile for this ID THEFT is a wanted fugitive and is begin actively sought by law enforcement.

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 2019-11-20
Company: Gurstel Law Firm, P.C.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I found out that I had been sued by XXXX XXXX XXXX through an attorney who had researched my records online. 

I have been communicating with XXXX via email. I was laid off in XXXX and I now have a new job with a significantly decreased income. I advised them of this and proposed a new payment. I also advised of a proposed payment plan and that I had a cease and desist in place for phone calls. The debt has changed hands many times and the Gurstel Law firm began contacting me daily. I contacted Gurstel and left a voicemail on their collection department because no one is available. 

Although this debt is valid, it has been hard to work with many of the various creditors. Even though I have taken steps to communicate, the company does not seem willing to work with me. 

The debt was originally owed to XXXX and is referenced as such in the attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently ordered my credit reports and numerous accounts that do not belong to me was discovered which means I am a victim of 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 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 had a loan with XXXX in XXXX to XXXX but on XXXX was affected for XXXX, and I was out of work for a month this month XXXX I didn't send my payment but I call XXXX and explain, XXXX got back to work and I start paying and I finished, but this year I'm planning to get a mortgage loan, and I know it's that XXXX report like 5 months late payments, i called XXXX and they told me that they will make the update so I opened a dispute with TransUnion, I wait and wait but they didn't send a letter or something, so I called and they said that dispute was closed with no change, but I request information like papers or something from the investigation and they said nothing that they can do, I need this account removed from my credit score asap.

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 2021-12-07
Company: EQUIFAX, INC.
State: CT
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:
FRAUDULENT APPLICATIONS WAS SUBMITED XXXX XXXX SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT XXXX  FRAUDULENTLY OBTAIN GOODS OR SERVICES THE ADDRESS USED WAS : XXXX XXXX XXXX XXXX OHIO XXXX PHONE NUMBER XXXX XXXX ) XXXX THIS IS NOT MY INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased a mobile home in 2000 from XXXX XXXX XXXX in XXXX al.i was told by the salesman that I was approved for a use office trailer for XXXX I had several option 15, 20, 30 years and so I took the higher payment so I can pay off in 20yrs and now ditech say I have 13 more years to pay ... .and my balance is still XXXX..I just need some advice on do I need to contact a lawyer, and they call everyday every hour if the day ... I don't know what to do ... .the house need repairs but can't make repairs..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Experian Information Solutions Inc.
State: CA
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:
Experian claims an item is verified although both the lender and the loan servicer are unable to find me in their systems. This means the loan was never mine. I submitted this to Experian, and they again just claimed it was verified. Additionally, they have the same account on there three times. It is for the one Im telling you XXXX/XXXX XXXX themselves couldnt verify. It says it was opened in XX/XX/XXXX, but Experian states this will be on my credit report until 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 2022-05-01
Company: EQUIFAX, INC.
State: WY
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:
Several hard inquiries are listed on credit reports, after several attempts to have deleted, all unsubstantiated. Verification not thoroughly done nor have I received. 

All three bureaus XXXX XXXX XXXX XX/XX/XXXX Called and stated they did not pull any credit report despite I did not apply for a XXXX XXXX card XXXX XXXX XXXX XX/XX/XXXX I did not apply for any such credit with this company nor was I actively looking for credit at this time because my family was having COVID emergency. 

Equifax XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX on XXXX XX/XX/XXXX along with XXXX which I believe to be accurate. However, Equifax is reporting two more inquiries that would not have been me three times to the same place in a matter of days and XXXX reporting just the XX/XX/XXXX Consumer reporting agencies shall block reporting of information that the consumer identifies resulted from an alleged identity theft no later than 4 business days despite disputing several times these inquiries continue to remain on reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Experian Information Solutions Inc.
State: CT
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:
FRAUDULENT APPLICATIONS WAS SUBMITED XXXX XXXX SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT XXXX  FRAUDULENTLY OBTAIN GOODS OR SERVICES THE ADDRESS USED WAS : XXXX XXXX XXXX XXXX OHIO XXXX PHONE NUMBER XXXX XXXX ) XXXX THIS IS NOT MY 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 2021-02-17
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:
This account XXXX XXXX ( XXXX XXXX XXXX ) has been in dispute since XX/XX/XXXX. XXXX Credit has been furnishing inaccurate and outdated information on my credit report which has affected my credit reporting drastically. When I first disputed this account I noticed the dates of last activity was different for each bureau they stated XX/XX/XXXX for Transunion and XXXX XX/XX/XXXX and XXXX shows a date of XX/XX/XXXX I sent a written response and never received my dispute results. This violated the furnisher rule Section 623 ( a ) ( 2 ) ( B ). I asked for reinvestigation of this account within my dispute letter that was sent out via certified mail XX/XX/XXXX simply asking for the following : actual proof of the information was verified, not a computer generated confirmation, account open and closing billing cycles, signed contracts between both parties The names and business addresses of each individual with whom you verified the information with above, The date you contacted the individual furnishers of information, The method of communication you used to verify the information. 

Nothing was sent out to me and I never received written verified results from my dispute as well as a reimport of verified results when I refreshed my credit report. I resent out a certified mail letter on XX/XX/XXXX reminding them of the ( 30-45 ) days to complete your re-investigation as well the attached letter from XXXX. There has not been any reinvestigation of this account at all. Not even a computer generated confirmation. Instead when I refreshed my credit report for the month of XXXX they furnished the date of last activity on the account this time Transunion reports XX/XX/XXXXand XXXX XX/XX/XXXX and XXXX is XX/XX/XXXX. As well they are still missing the date of delinquiency for this account in which I requested which is a violation of FCRA 623 ( a ) ( 5 ) ( B ). Please review my attached documentation showing proof of this account that has been in multiple violations under FCRA.

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 2021-02-17
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Im going through identity theft and fraud ive been victimized. I noticed there has been fraudulent activity that has been taking place since 2016, I came to knowing that there had been fraud accounts : such as treasury accounts linked to my business account. I cae to knowing this because i had asked my fiance to check my business checking account for the balance and then ... she yelled to see what she was seeing on the online banking system with prosperity bank, She had accidently clicked the treasury account tab and using the exact same log ins as my checking account for my business, had logged us into a treasury account with 3 accounts in it with large amounts of money $ XXXX, xxx, xxx.xx,. I freaked we called the customer service number and they said it must of been glitch due to the updating their system. Well i did not believe what they told me. I asked a representative at the bank i normally go to and she stated that if i did not have an account it would of never of let me log into those accounts. back and forth they denied that it existed. including fraudulent transactions, i could not report it due to it being past the the days to being able to being reimbursed. I never had a bad check, always stayed on point with my business account, after i had a contract with a company and it was over {$7.00}, xxx.xx or so the bank did not want to cash or deposit my check the next day. they actually wanted to put a 21 day hold. so i told the to close the account. going through all this conflinct with the bank i couldnt get those numbers out of my head so, i called again and this time after the account being closed a representative confirmed my theory and what i had seen. there was actually 3 accounts 2 business accounts and 1 atm direct, im still not sure what that last account is. she also mentioned that they accounts were also closed and that they balalnce was {$0.00} out. This fraud has been done to me personal and business has been affected. they also reopened my bank account fradulently supposebly do to a check that cleared in our paperwork and statements way earlier like 2 months back. then they changed it and said it was due to a cash app deposit of {$5.00} which i never did i checked my accounts and nothing.. they lied and are still lying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
TD bank charge {$170.00} over draft fee but would they let account over draft when they know has no money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My father XXXX XXXX in XXXX 2017. I am his son and executor of his estate. My father had a home equity loan with Wells Fargo. I alerted Wells Fargo and requested they update their contact information and billing address. Apparently they did not do that and they mailed foreclosure notices to his home. Even after multiple calls and apologies from XXXX they still continued to mail out multiple foreclosure letters one after the other directly to his home address.

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 2021-12-07
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a secured card with Regions with a {$300.00} deposit. The money was held in an account separate from the credit card. Back in XXXX the card was automatically upgraded to an unsecured card. I was notified about this change via letter. The actual change from secured to unsecured occurred in XXXX and when I called I was told that a check was mailed on the XXXX. I called again around XX/XX/XXXX and  was told that the check has 30 days to reach me and it would not be reissued until after that time. I called again on XX/XX/XXXX XXXX  I was told that they have no record of the {$300.00} that was being held. I have statement that show the account with the {$300.00} however that account is no longer available on my profile. I've spoken to a few different people and there has been conflicting information given to me. The last time I spoke with someone I was told a ticket would be opened and I would receive an email by XX/XX/2021. I haven't heard from anyone and the credit card side does not seem to know what I am talking about.

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 2018-09-23
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
DEAR SIRS C.FP.B DIRECTOR / INVESTIGATOR. 
XXXX XXXX PROVIDED A CREDIT CARD FOR {$600.00} DOLLARS IN XX/XX/XXXX. IN XX/XX/XXXX I WAS UPLOADED THE CREDIT LINE AT $ XXXX WITH PAYMENTS MINIMUM OF {$59.00} ABOVE PREVIOUS BALANCE OF $ XXXX TODAY DAY XX/XX/XXXX RECEIPT LETTER FROM XXXX XXXX THAT THEY WERE TO CHECK MY SCORE IN XXXX  AND GAVE THEM XXXX. SCORE. BASED ON THIS MY CREDIT CARD OF XXXX XXXX  DECREASED AT {$1800.00} INTERESTS PAID DURATE XX/XX/XXXX AND XX/XX/XXXX {$240.00}

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 2021-06-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: M&T BANK CORPORATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I filed a complaint on account # XXXX XXXX XXXX XXXX XXXX with M & T bank with you the beginning of XXXX, XXXX. M & T replied concerning my wife 's HELOC account with M & T. This is part of the problem. This bank is unable to keep records straight. They do not know what they are doing. I have been paying {$300.00} a month for around XXXX years. I dealt with XXXX XXXX. My payments went to him at XXXX XXXX XXXX, XXXX, NY XXXX EVERY month for years. I received a letter from XXXX XXXX Attorneys concerning this account stating M & T has not received any payments since XXXXXXXX XXXX on my account. I never received any statements from M & T regarding this or that an attorney was involved. I found out XXXX XXXX is no longer with M & T. I was not notified about any of this until I was contacted by these attorneys. I received a letter from M & T on XXXX XXXX, XXXX stating my payoff was {$38000.00}. The letter dated XXXX XXXX, XXXX from the attorney States a payoff of {$40000.00}? How can that be? This is how M & T works. Something needs done. Now their response does n't even address my account!!! Since this is so dishonest please make sure M & T addresses the CORRECT account!!!!

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