BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ITEMS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine and I do not live in the address reported. Also, I do not file bankruptcy in any court. 

XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : 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 non-monetary relief
Consumer complaint received 2023-01-19
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX  : {$200.00} ; XXXX XXXX XXXX**** XXXX  : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX GA 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 non-monetary relief
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is XXXX XXXX XXXX submitting you this CFPB Complaint today to request to once more to remove the fraudulent accounts and information being reported on my Credit File. I greatly appreciated your time and effort to remove a portion of the fraudulent accounts and information off of my Credit File, however, I still see that a lot of the fraudulent items are still being reported on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. As I have complained before, I was a victim of identity theft and I never authorized anyone to use my personal information to open and use any of these accounts. Under the Fair Credit Reporting Act section 605b, I am requesting you to remove the following items off of my Credit File : 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 XXXXXXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance : {$2100.00} XXXX - XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX. Also, you have failed to send me copies of proof of verification or any documents for you to continue reporting the disputed items. If you believe that the disputed items belong under my name, I request of you to please send me any documents supporting your claims. In the absence of such documents, immediate deletion of the disputed items will be greatly appreciated.

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 2023-01-20
Company: EQUIFAX, 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:
Went in to acquire a car and was under the assumption that I was entering into a consumer credit transaction. I was then advised I needed to make a cash down payment, which is in direct violation of TILA, then later found out the transaction was turned into a security backed asset without full disclosure and my private source data was used and disclosed to a third party that I didnt do business with, again without my knowledge permission, and/or consent. Which constitute fraud and breach of contract solely for the disclosure of information without authorization. Its negatively impacting my private consumer credit report, with fraudulent information and values credit transaction reporting, including but not limited to late payments which is not considered a credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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 2023-02-17
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was looking at my credit report and noticed my credit score drop a lot and seen that I had two collections on my report that I didn't know about or authorized. One was for XXXX XXXX and one was for a XXXX account for the amounts of XXXX and XXXX. So I proceeded to contact XXXX and XXXX and the police department and also all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
American Express refuses to give me a credit line equal to persons similarly situated as me because of my age and gender in violation of 15 U.S.C. 1691, 15 U.S.C. 1691 ( d ) ( 6 ).

After displaying preapproval, followed by post-application approval, Amex failed to issue and send the credit card which was approved and failed to send me a letter stating that the application was denied stating the reasons for denial, as is customary and standard in the industry. However, upon calling customer service and requesting information, i was told that my application was sidelined and not handled like other applications because of my age and gender. Therefore, my credit-worthiness was not even a factor in deciding whether to extend or not extend credit to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband passed and I was making the payments and then one day Wells Fargo said that I couldn't make payments for him anymore so I was still trying to give them payments so I can keep the house then they start saying I couldn't refinance and I kept telling them I could still make payments but they didn't want to talk to me because I was not on the mortgage I was on the d but not on the mortgage payments if I can't have my house back I would like to get some of the money that I invested in trying to keep the house by making payments that they kept and to access my husband 's savings account I couldn't get into it neither

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 2023-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
As my credit report states on XXXX XXXX that a XXXX XXXX XXXX XXXX account was opened however I did not open the credit card. On XXXX XXXX a credit card open in XXXX  XXXX that was not made by me. XXXX XX/XX/XXXX someone opened up an account with capital one bank. I called capital one and they explained to me have no record of my name in their system. Lastly on XX/XX/XXXX I see a transaction at XXXX XXXX XXXX which was not done by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: U.S. BANCORP
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had missed a payment due on XX/XX/23. As I had explained to XXXX reps and supervisors, I had both computer issues and a login in problem. In the confusion I thought I had paid my bill until I contacted customer service on XX/XX/23 to get login help. It was then I was made aware I missed a payment. Prior to this I was paying down my bill, making payments on time, not making additional charges. I was prepared to make a payment but found out XXXX severely cut my credit line a deactivated my card. XXXX knows what a {$5000.00} cut in credit does to someones credit They also lied multiple times denying the function of my card and restoring my credit limit. XXXX is also financially profiting from my innocent missed through fees and exessive interest. The way XXXX clobbered me for one week overdue shows XXXX has no intention of doing an honest business with me. Provoking me to default so to profit from additional fees and interest. Sell the debt, write it off, they don't care. I want to continue making payments with my credit line restored to where it was. Fee waived and card reactivated. Nothing else is satisfactory. Card # XXXX Cus Serv Phone 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 2023-02-26
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: Account status incorrect

Complaint:
I was referred to this credit union and applied for an installment loan. I filled out all the information and provided documentation accordingly. The account was approved and opened. Later in the day before any funds could be used the account was locked and I was notified. The bank manager reached and said the account couldnt be opened and funds were t able to be used. About a year later I started seeing missed payments from this account. I had never used this account to have a missed payment because it was closed upon opening. So I disputed the charges and account. It took a while but they later updated the account, but still was the wrong information. This is hurting my credit significantly because its reporting that payments are being missed and have a continued balance. I have since, reached out again and no response. I feel I am a victim of fraud and they are going against my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX formerly XXXX, Account Number : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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: Account information incorrect

Complaint:
I disputed inaccurate items on my credit report and the credit bureau has requested information on a XXXX XXXX XXXX. I am XXXX XXXX and no initial. the Company is Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account : I have two accounts with this company. A late payment has been reported that I do not recognize. 

Account 1 : XXXX Account 2 : XXXX XXXX has violated my rights by reporting a late payment. 

15 U.S.C. 1681 Section 602A States I have the right to privacy.

15.U.S.C. 1681 Section 604A 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 explanation
Consumer complaint received 2023-02-13
Company: WELLS FARGO & COMPANY
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I was at the end of my loan in XX/XX/XXXX. Called to get payoff the auto loan for XXXX and was told I would be receiving the title in 7-10 days. I waited but never received the title. After checking online account the payment did not pay off account and additional principal was added for {$20.00} plus interest and late fees of {$100.00} totaling additional {$270.00} still owing to payoff the acct. The representative today XX/XX/XXXX said that if I paid this I could have my title but her disclaimer added unless there are additional fees then I would not get my title until those are taken care of. I asked her to confirm there are no extra charges so that this additional payment would guarantee my title and she said that she had no way of knowing because there could be additonal fees or past payment reversals. So at this time my title is dangling just out of reach by additional fees and interest. I understood that when you requested a payoff that all additional interest and fees were included in that amount but for Wells Fargo they conveniently add those additonal fees after the fact the keep the title in their possession.

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 2023-01-13
Company: PNC Bank N.A.
State: OH
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:
XX/XX/2023 I received a call from PNC XXXX Credit Card Security stating that a fraudulent purchase had been attempted on my card. The agent said the card was cancelled and they would send a replacement card in XXXX weeks. I protested that waiting that long would be a problem, I wanted the card overnighted. The agent said they'd send it via XXXX and I should have it within XXXX  days. As of today, XX/XX/2023, I have not yet received the replacement card. I attempted to log onto PNC XXXX online account and could not. They wanted to set up a new account, but the id number they emailed kept being rejected as invalid. This went on at least XXXX  times. I finally found and called the Customer Service number ( XXXX ). I explained the problem to the agent. He said my replacement card was still " being " processed '' and it would be at least XXXX weeks before it was sent out. I asked that, when the card was ready, that it be sent overnight. The agent said overnight was cut off. I said I was in a bad situation without a credit card. The agent said, in effect, that that was too bad for me. He blamed the credit card manufacturers. I was lied to by the first agent, and not helped at all be the second. This is not acceptable treatment for a customer. PNC cancelled the card, through no fault of mine and then simply stonewalled about making the situation right. Not acceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TekCollect Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Received a phone call from TEK COLLECT INC on XX/XX/2023 at XXXX the phone number they used at the time is XXXX. Upon answering the phone they immediately asked for my name, where I asked who they were and what company they were calling from. The caller refused to identify and stated they need to verify who they were talking to before releasing that information. Upon asking again for the information, I was put on hold for 30 seconds. They then came back on the line with a different person and stated they were from Tek Collect about a debt. I immediately informed them that they violated FDCPA by refusing the identify immediately upon request and that they were calling a cell phone incurring me charges where they were not authorized to call. The phone call was immediately terminated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received multiple emails between XXXXXXXX XXXX on XX/XX/XXXX stating that an account is in progress of being created and verified. The account was then created and approved during that time. I had no knowledge nor approved or any sort of account being created. I dont even Bank with Bank of America so that was already a flag. Called the fraud line between XXXX XXXX XXXXXX/XX/XXXX and the lady stated that the account was opened using my SSN and there was no activity on it yet. Lady stated that she closed the account and would send an email verification. Have yet to receive said email as of XXXXXXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-02-13
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I received a cashier 's check from Navy Federal Credit Union on XX/XX/23 in the amount of {$28000.00} for goods and services of mine from an individual. I reached out to NFCU to confirm the validity of the check the next day to confirm the funds were good. I spoke with one of their representatives at XXXX and they confirmed with me the check serial number, the date of the check, the amount and that the funds were good. As such, I proceeded with the transaction and deposited the funded into my personal bank, XXXX XXXX. 

Two days later, XXXX/XXXX/23, I receive a notice from XXXX that my deposited funds were being withdraws due to the fact that they couldn't locate the origination of the check. 

I called NFCU back to once again on XXXX/XXXX/23 at XXXX to confirm the validity of the check. This time the person I spoke with confirmed that they serial number was one of theirs, but that the amount and date were incorrect and therefore the funds weren't available. I was transferred to a supervisor who was able to pull up the recording of my original call. They simply said that the representative made a 'human error ' and they would take it up internally with their supervisor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation