BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
Company: SANTANDER HOLDINGS USA, 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:
XXXX XXXX XXXX continues to misreport to multiple credit agencies affecting my ability to take out and secure other loans, home rental leases and is creating barriers financially for me which is now causing me mental anguish and Fatigue from trying to mediate with them directly. Theyve kept me on hold for very long amounts of time, circled and repeated the same information when I tried to complain to them. Theres no way to work with them and my account is paid IN FULL AND THEY HAVE ME REPORTED AS BAD DEBT. I am a full time healthcare worker, I dont have time to go back and forth, this is tedious and is really affecting my way of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: WELLS FARGO & COMPANY
State: MA
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX my boat was hauled by XXXX XXXX XXXX for urgent repair on XXXX bent propeller blades. These blades were not broken or cracked but just bent ( one about 10 degrees and the other 20 degrees ). The boat bottom was clean as it had just been launched XXXX weeks before.One worker asked the owner ( XXXX XXXX ) if he should power wash and was told " no '' the bottom is clean.The props were sent to XXXX and XXXX prop repair and were returned in 2 days and put back on the boat. I had XXXX XXXXXXXX XXXX lined up to take the boat from there to XXXX XXXX XXXX ( XXXX XXXX ) XXXX refused to launch the boat until fully paid. The only way I could do that was with my credit card ( Wells Fargo ). Having done that I latter called XXXX and spoke with XXXX ( accounting ) offering to send a check for the bill if they would refund the 3 % charge for using the card. She said she researched it and that the charge was permanent and could not be reversed. In reviewing the invoice I noticed a charge for {$400.00} for power wash which XXXX XXXX said not to do. In addition {$2600.00} to recondition 2 slightly bent props seemed like a very high price for the work done.I called the prop shop ( XXXX and XXXX XXXX XXXX XXXX ) and requested a copy of the invoice they had submitted to XXXX. They flatly refused and said " I don't know what they billed you, but we can't share what we billed them ''. I consulted 2 reputable prop shops in XXXX XXXX Ma. with photos and they estimated $ XXXX {$1600.00} for the job.Therefore I feel I should be credited {$400.00} for an unnecessary power wash and {$1000.00} for an inflated repair bill. In addition I disputed this with Wells Fargo on XX/XX/XXXX and it has yet to be 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 2022-07-03
Company: Shellpoint Partners, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For several months now, I have been trying to receive a refund of my escrowed taxes from the previous holder of my home 's mortgage, NewRez LLC dba Shellpoint Mortgage Servicing. I have previously requested and received the assistance of the XXXX  of Upstate South Carolina, as well as the Wisconsin Department of Financial Institutions. NewRez, however, has stopped communicating. I am hoping that contact from your office will reestablish a dialogue with them. 

My complaint is as follows : NewRez indicates that they paid {$2300.00} in taxes from my escrowed funds to satisfy my XXXX tax bill. The county treasurer has indicated that they had received NO payment of my XXXX taxes, until *I*, ( not NewRez ), paid this bill myself. 

If NewRez DID in fact send these funds, then the fault lies with the county treasurer 's office, in which case I will pursue the matter with them directly. 

If NewRez DID NOT send these funds, then the balance of my escrowed funds, {$2100.00}, ( a total of {$190.00} has already been refunded ), is still owed to me. 

I am simply requesting either ***PROOF OF DISBURSEMENT OF FUNDS*** to the XXXX County Treasurer 's Office in payment of my XXXX property tax bill or a REFUND of my escrowed funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 Account # XXXX by 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 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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XX/XX/2021

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 2022-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A withdrawal was made from my account on XX/XX/XXXX in the amount of {$3000.00}. The transaction was listed as : XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX XXXX XXXX XXXX XXXX Merchant category : Fuel Dealers- Fuel This was similar to a transaction from the previous day from : XXXX XXXX : XXXX ID : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX  for {$340.00} for fuel purchases from the prior week. This is a fuel merchant account for motor carrier operations and a legitimate charge. 

My credit limit with the merchant is $ XXXX. 

When I saw the charge days later I immediately called the merchant and they said they did not make the withdrawal. I called Bank of America to notify them this charge was unauthorized and to file a claim. 

Bank of America placed a temporary credit for {$3000.00} to my account on XX/XX/XXXX and reversed it on XX/XX/XXXX. During that time I never received any notifications that any investigation had taken place or that any decision had been made. 
I called back after XX/XX/XXXX when the reversal was made and the rep I spoke with said that if I faxed a statement then the investigation would reopen and I would be contacted. I have never been contacted and my money has still not been returned. As a result, numerous fees have been assessed due to insufficient funds as a result of this initial theft of money. I sent statements that I have from the merchant account and no response. 
Like I said previously, I only had $ XXXX credit with the merchant so there is no way a {$3000.00} charge could be legitimate. I should have received a fraud alert, and never did. I received nothing of value for that {$3000.00} purchase so where did my money go. Isn't my money insured against fraud? I want my money and that is all. I have no trust for Bank of America. I have been a minority small business customer for over 15 years and this is how I am treated. I will not stop until the whole world knows how Bank of America treats their small business customers.

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 monetary relief
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The TransUnion Credit Bureau have not complied with the Fair Credit Reporting Act of the Federal law. I have been sending dispute letters as well as CFPB complaints to them and have been waiting for their response and yet I received nothing. The account XXXX XXXXXXXX with an alleged Balance : {$2600.00} was already deleted from the other Credit Bureaus and is only reporting in TransUnion Credit Bureau XXXX Under the FCRA, Credit Reporting must be accurate. It makes me wonder if TransUnion really did investigated my Credit File, and if TransUnion did the same action as the other Credit Bureaus then how come TransUnion is the only one reporting the disputed Account. Also, I have been constantly reminding the TransUnion Credit Bureau that I have been a victim of identity theft and that the disputed items were the results of such crime. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies ( TransUnion ), are required to remove the items that resulted due to identity theft. I need the following items deleted as soon as possible : XXXX XXXX Balance : {$2600.00} XXXXXXXX XXXX XXXX XXXXXX/XX/2022

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 2022-08-18
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XX/XX/2021 GA XXXX XXXX XXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate 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 investigated and corrected from erroneous reporting in my file are listed on my credit report : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate 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 investigated and corrected from erroneous reporting in my file are listed on my credit report : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXXXXXX XXXX XXXX  XX/XX/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 2023-11-30
Company: EQUIFAX, INC.
State: MI
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: MD
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 immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: Comerica
State: IL
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received the found debit card in the mail a few months back and thought it was a XXXX debit card and it wasn't and I have been trying so hard to get my funds back because of income we are living payvcheck to pay check and right now I could be using whatever is on it to feed my family and animals and get the stuff we need right now that came out of my XXXX check and I ought to get it back and they refuse to give it back they are giving me trouble with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Recently had an annual subscription renew. Soon as the company sent me a receipt for the payment, I transferred money via XXXX to cover the expense. I used XXXX due to no local branches being in my general area. XXXX transactions are typically instant. However, this was not the case, the transaction ended up not being deposited till XXXX days later. This would have been still within the XXXX time frame of preventing a second overdraft for the same transaction. Even though the transaction shows deposited, the bank then flagged the transaction delaying it additionally and due to the delay charged me a secondary overdraft fee for not bringing the account to the positive within 7 days. I have tried calling the bank to resolve this, they're answer was even though their system delayed the funds when they tried to refund it the system would not allow. This has been a repeated issue with this bank and since each refund is listed as a courtesy refund, they say they are no longer able to process a refund on my account even though it was delayed at no fault of my own. Both the customer representative and the supervisor tried to give me the refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: KY
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 removed XXXX XXXX and XXXX from my file. I sent each Credit Bureau a copy of the letter of the removel letter. Please remove XXXX XXXX XXXX from my credit report as well because they were listed on the bankruptcy report. I have sent XXXX, XXXX and Equifax several disputes to get XXXX XXXX removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 removed XXXX XXXX and XXXX from my file. I sent each Credit Bureau a copy of the letter of the removel letter. Please remove XXXX XXXX XXXX from my credit report as well because they were listed on the bankruptcy report. I have sent XXXX, Transunion and XXXX several disputes to get XXXX XXXX removed from all three credit bureaus.

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