BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-29
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
1. The bank did not tell why they are claiming in their response that I said and I quote : '' ... funds missing ''. The bank is avoiding the issue.

2. The company did not say why they mailed me an ATM card with purchase when I told them I only wanted an ATM card for deposit and withdrawal. The bank should have issued me the card that I wanted. I could have made other arrangements if this is not possible. The bank is avoiding the issue.

3. I want to know why I was given two ( 2 ) small pieces of paper when I opened the accounts. The bank did not respond to this. The bank is avoiding the issue.

4. Customers are entitled to transaction receipts. The bank did not give my transaction receipt when I asked for one. The bank should issue transaction receipts. Government authorities should know about this and take action. 
5. The DMV should be informed that the teller swiped my driver 's license at Union Bank to avoid this kind of activity that opens customers to threats of identity theft. Union Bank should inform DMV and the customer. 
6. The Federal Trade Commission and Department of Motor Vehicle and other government agencies should be informed of these complaints so steps could be taken to protect consumers from identity theft. 
7. The Consumer Protection Bureau should have informed consumers of what steps are being taken and what government agencies were informed to resolve the issues to fulfill their role as protectors of customers. 
8. The Consumer Protection Bureau, Federal Trade Commission, DMV, and government agencies should review the videos of the transactions I made at Union Bank. These videos could provide answers to my questions/complaints.

9. I gave one phone number to Union Bank. I am wondering why I was contacted at a phone that I did not provide. How did the bank obtained the number? 
10. I filed the complaints because I want the protection afforded by the Consumer Protection Bureau, the Department of Motor Vehicle, Federal Trade Commission and other government agencies. These agencies should respond to the complaints. I am wondering why the cases are closed when the issues are not yet resolved. The consumers are not being protected when cases are closed without the issues being resolved.

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 2015-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
A name and address is wrong. I have never used the name or lived at the address. The incorrect name is XXXX, XXXX, XXXX and the incorrect address is XXXX XXXX, XXXX, XXXX. The correct name is XXXX XXXX XXXX and the correct addresses are XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. Please correct this information on my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The information still shows that I went Bankrupt. It has been way .... over 7 years. It needs to be removed because of the Statute of Limitations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
n accordance with the Fair Credit Reporting act Bank of America 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 believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
My mortgage is/was with Wells Fargo. I recently did a modification early 2016. In the meantime, while going through the modification, a new program was introduced and I inquired about it. I was told that I would be contacted if I qualify. I called Wells Fargo often to inquire because the program stated that the Mortgage company should contact YOU, by XXXX 2016, if qualified. Low and behold, Wells Fargo sells my loan and I never heard anything about the new program. I called the new Loan company and nobody knows what I am talking about. I called Wells Fargo and now they ca n't speak with me about my mortgage because they no longer service it. I asked them XXXX ( mortgage companies ), to let me know, if/why I 'm not qualified to be in the new program, Please just send me justification as to why, because I have reviewed the qualifications and my situation fits the criteria. I need to know why I have not been contacted about the Principal Reduction Program, either way, if I qualify or not. I feel caught up in the middle with nowhere to go.

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 2016-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have been a victim of identity theft and have provided Transunion with a police report several times. I have disputed inquiries that have showed and run fraudulently and not authorized by me which is a result of my identity theft. Transunion refused to delete or investigate these on several occasions. After calling back yesterday I was told to prevent this from happening in the future I can pay for their credit lock feature which would block people from being able to request or view my credit. I was basically forced to buy a feature that did n't even work for me, after trying to use their credit lock feature I was told to contact customer service because there was a error while trying to do so. After contacting customer care I was told I am unable to place a credit lock on my credit due to the fraud alert I have on file. 

The items below are all the inquiries I am deleting. TransUnion stats these are permissible inquiries however I did not give my permission, furthermore these are hurting my credit score. I have not applied for credit in 4+ years. All these are a result of identity theft. 

The inquiries I am disputing are : 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/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 2016-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX, 2016, I checked my credit on XXXX XXXX and had a total of XXXX hard Inquiries removed from my report. I checked my account on XXXX XXXX, 2016 and all XXXX Hard Inquiries were placed back on my report without sending me a reinsertion letter as required by FCRA section 611. I have been calling Transunion ever since and have received no help. When I ask to be transferred to an American representative, no one will transfer me. Several agents have been belligerent, that they know what happened, but it 's basically too bad and I should simply file a complaint because they will not fix it.

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 2022-10-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Account NumberXXXX Routing : XXXX A check was accidentally deposited in the amount of {$37000.00} into this account in XX/XX/2022. I have reached out to the XXXX XXXX in regard to the made error of sending this check via direct deposit. I spoke with the company owner which is my previous business partner XXXX XXXX. He is using retaliation tactics by holding on to these funds and committing bank fraud. The auction told me they would get my funds back and give me my payment in the form of a paper check as requested by me in the first place.

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 2022-10-13
Company: Experian Information Solutions 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:
How many dispute letters and CFPB Complaints do I have to submit to the Credit reporting Agencies to have the disputed fraudulent account and information deleted from my Credit File. It has been a battle going through this and I am submitting yet another CFPB complaint to request to the Credit Bureaus to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. Once again, please delete the following accounts and information completely from my Credit File as soon as possible : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX UNIT XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX FI XX/XX/2020

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 2015-09-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I need to erase from my credit report, it appear money that i never took any loan from XXXX XXXX ... .... 

Partial account number : XXXX {$220.00} I never took any loan of this amount ... ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
The company in question is PayPal. I have been trying to resolve this issue for many months, so now I am forced to request your assistance. I run a business where I am paid AFTER I render services ( financial counseling for mortgage holders who are facing foreclosure. ) My clients are individuals who are facing foreclosure and are having a difficult time dealing with their lenders and navigating through the loss mitigation process. I educate, counsel, and assist them in navigating the loss mitigation process through the successful completion of their process, which results in them being able to save their homes. When XXXX invoice my clients, they are happy to pay me for my experience and expertise, and are grateful to pay me for the time I invested ( in advance ) to help them. 

I have NEVER received a complaint or request for a refund from any of my clients, nor has PayPal. Again, I get paid for services rendered. Yet PayPal has decided to close my account, and hold XXXX the funds that are currently in my account in the amount of {$1700.00}. According to them, they have the right to hold my funds for 6 months! I have requested an explanation for them closing my account, and limiting me from accessing my funds, and their response is that my business is considered high risk. Once again, I am paid for services rendered. I am frustrated, and refuse to believe that this is legal. I usually lend money short term to real estate investors who pay me at 20 % return on my funds and PayPal is holding money that I could be lending. That means that I am losing $ XXXX on the money that PayPal is holding for the next six months resulting in a {$2000.00} loss. Meanwhile, not only are they holding my funds, but also they are likely utilizing my money to gain interest plus the fees that they have already charged me when the funds were paid via their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Franklin Collection Service, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter in regard to old debt. I notified the Creditor in Writing of a dispute instructing them I wanted Proof of the agreement to pay the creditor, a copy of the final account statement, a breakdown of total amount dues, and date and basis of the charges. 

The company has not responded in writing as requested, and as such has reported this as a negative item to the credit bureau. My request was mailed within the initial 30 day time frame to dispute the debt. They also have not reported the account is in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a student loan account that is consolidated now, but used to be XXXX separate loans corresponding to semesters spent in college. I have a 90 day late on my credit report for each of these Closed accounts. The servicer at the time is no longer in business. I have called the National Student Loan Data Center as well as the current servicer and they have no record of me ever being behind on any of those loans while separated or consolidated. I feel that it is unfair that this is being reported on my credit because the information is inaccurate, and it is preventing me from getting a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Set up and linked, using the trial deposit method my XXXX XXXX and a XXXXXXXX XXXX attempted to transfer funds from XXXX, aka Webster bank  ) on XX/XX/XXXX, funds were flagged for review, next day, provided the requested documents via secure email, money was debited on XX/XX/XXXX and transfer stopped. XXXX does not answer their phone, on hold and then disconnects after 40 minutes repeatedly, secure email messages not responded to, and internal message system from the account are ignored This is in regards to an external transfer XXXX and additional verification. 

I did eventually speak with a CSR on a call back and asked for escalation to a supervisor, of course no supervisor responded, much like the secure email I responded to was not answered. The transfer amount was debited from my account but is just in limbo, the amount is {$10000.00}. Funds have been withdrawn but no transfer. 

At this point I just want to cancel this transfer, but am unable to reach this bank. Regardless of time of day, ridiculous hold times and then disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 have included the dates and response and receipts from the seller and letters from Capital One. Capital one denied my dispute for the reason of lacks all of the requested information. I sent Capital one the same documents i'm sending in this complaint. 
My documents show the original advertisement and the NEW ad the seller changed too. 
Also in the documents I'm sending today, yu will find the emails between me and the seller of the mink coat. 

feel free t contact me at XXXX or XXXX Thanks in XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX I wish to complain about XXXX, XXXX and Experian in reference to My credit, I have reached out to them 3-4 times this year in reference to my credit. By law I do not consent them to have inaccurate information on my credit. 

By law codes : Section 604 15 US Code 1681B Section 605 15 US Code 1681 C-1 Section 605 15 US Code 1681 C-2 I do not consent them ( XXXX, XXXX and Experian ) to report anything on my credit without my consent

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 2017-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, AND XXXXand have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you

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 2022-10-13
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$320.00} XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-10-21
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
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:
Great Day I launched a dispute with all credit bureaus for the last 60 days about my closed Navient account trying to understanding all the inaccurate information that has been placed on my credit report. According to : XXXX : my account was opened XX/XX/XXXX closed XX/XX/XXXX i was reported 120 days past due, but all the previous months is showing paid as agreed ok. there was no indication of 30 days, 60 days, 90 days noted on another report it indicated i was 90 days past due XX/XX/XXXX and XX/XX/XXXX XXXX : my account was opened XX/XX/XXXX closed XX/XX/XXXX i was reported XXXX past due with no indication the previous month of a 30, 60, 90 days late pay and on the report it indicated i was 90 days past due XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX : my account was open XX/XX/XXXX closed ( nothing reported as if its still open ) this particular report indicated that i was 180 days past due and again on the report the previous month indicated ok paying as agreed. and only show a XXXX past due XX/XX/XXXX All Disputes I have reported replied back to me accurate and nothing changed on my report nor was there an explanation. When I call Navient there was a discrepancy in what she explained and what has been reported on the late pays. I noted that my students loans appear to change hands often and by the time information is reported to me and payment information is determined I am thinking this is where the discrepancies are happening. to much selling of loans and not notifying the consumer sooner would eliminate this kind of frustration.

Company response to consumer: Closed with explanation