BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I sent a letter off XX/XX/2022, I told the credit bureaus to investigate every piece of information the accounts I have listed below. Also, I have attached a copy of the letter I sent out, and here is the tracking information through USPS : XXXX : XXXX XXXX : XXXX Transunion : XXXX According to Fair Credit Reporting Act, the term Investigate Consumer Report means a consumer report, or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, friends, or associates of the consumer reported on, or with others with whom he is acquainted or may have knowledge concerning any such items of information. They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate. Also, according to 15 USC 1681, everything has to be 100 % accurate. 

These are clear violations of my federally protected rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The date last active day is wrong. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is not my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The date last active is wrong. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Not my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these are accounts were mine.. 

Also, I have some personal information that needs to be addressed as well. Can you please investigate and remove these names as well? It should only be as listed at the top of this letter. 

Wrong Names : 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 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX, XXXX XXXX XXXX XXXX, XXXX are committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine illegibly and unethically on ALL my credit reports with XXXX, Transunion and XXXX. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim of three times already. I DO NOT have or owe a XXXX, XXXX XXXX XXXX XXXX, XXXX or owe ANY amount of credit card and this is fraud under FCRA section 609, and it must be removed from my credit reports immediately. This company is committing illegal acts against me. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CANT JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY.THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVETIGATION BY THE ATTORNEY GENERALS OF THREE STATES, THE CFPB, THE COMSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING AND ILLEGAL ACTIVITY.

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 2022-08-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wednesday XX/XX/XXXX I called Wells Fargo fraud department to dispute XXXX worth of charges that were not mine charged to XXXX XXXX pretty much drained my account, I was promised a follow up within two Businees days was never called to explain my situation more in depth did not hear anything until Friday the XXXX of XXXX and just got denied with no credit back to my debit card with no evidence or follow up

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 2022-09-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit report act this creditor, XXXX XXXX XXXX XXXX XXXX XXXXXXXX under 15 usc1 secton 602 states I have the right to privacy 15 usc1681 secton 604a section 2 also states that consumer agency can't furnish an account without my written instructions, under 15 usc 1666b creditor may not treat a payment on a credit card account under on open consumer credit late for any purpose. 

for the XXXX XXXX XXXX, I responded to a lawsuit, and they could not provide the information, it needs to be removed from my credit reportXXXX XXXX needs to remove cause limitations has been 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have a credit card from CAPITAL ONE, and I have always made my payments within 30 days of receiving the statement. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE and they said their system mistakenly put me as I was outside of the 30 day grace period and they charged me a late fee, CAPITAL ONE has advised me to contact credit bureaus and get this matter resolved. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE with no successful resolution. XXXX, XXXX, and XXXX  reporting me 30 days late on XX/XX/2020. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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: Was not notified of investigation status or results

Complaint:
To whom it may concern, I'm disgusted and upset that the Credit Bureau is not taking my request to investigate the inaccurate and misleading information on my consumer report seriously. I've sent a certified letter over a month ago, requesting the agency to verify and accurately identify these accounts, and If they can not accurately identify them delete them immediately.

To date, I have not received a response from them yet.

In accordance with federal law 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information.

( 1 ) Reinvestigation required. 
( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

They must delete them.

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 2018-03-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo Home Mortgage and/or the County of XXXX XXXX XXXX misappropriated, diverted, or embezzled funds paid by XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX allocated for mortgage expenses such as real estate and/or attempted to embezzle funds allocated real estate taxes to apply towards personal property taxes that have already been paid but generated by altering statements sent to XXXX XXXX XXXX, legal owner of XXXX XXXX XXXX XXXX, VA XXXX, including but not limited to funds designated as part of the mortgage payment made to Wells Fargo Home Mortgage. Periods of misappropriation occurred from XXXX-present and as early as 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 2022-06-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022, I submitted a complaint to the CFPB about incorrect information that was reported on my credit report via Equifax Information Services LLC. I attached a Identity Theft report because my name is XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX XXXX. I have attached my driver 's license and utility bill that clearly states my name as XXXX XXXX XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) is a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. Under the law, when credit reporting companies prepare credit reports, they are required to follow reasonable procedures to assure maximum possible accuracy of the information. Similarly, furnishers are required to investigate the accuracy of such information if it is disputed by a consumer. This information is continued to be reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: SC
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 following companies have violated my rights : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My information was stole ( birth certificate, social ) to the point I had to go to the FBI to find out whom had put loans in my name, they cleared XXXX off but now it to the point the person is putting hard inquiries on my credit repot that would take years to get off. I want to figure out how I can clear all this up because its not me doing these things.

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 2022-08-01
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

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 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 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 following companies have violated my rights : XXXX XXXX - XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To Whom It XXXX Concern, Over 60 days ago I was added as an authorized user to a XXXX XXXX credit card. To date, either XXXX ) XXXX XXXX has failed to report this status accurately, or XXXX ) XXXX, Equifax, and XXXX have failed to report this status accurately. 

I believe that creditors and the bureaus must report with 100 % accuracy in an expedient matter, and this is clearly not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Selene Holdings LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to selene financial. I sold the house. I had to pay my property taxes again at closing even though I had already paid it in escrow. I called selene finance and changed my address with them so they could send the refund to the proper place. They would not discuss the repayment amount when I called. They just demanded that I wait the proper time for them to issue a check with my refund. They finally sent the check to the address of the house I sold. I no longer live there or have access to the mailbox. I called to have the check reissued. It is approaching 2 months since the house was sold. I had XXXX double pay the taxes and are still waiting on them to refund me. 


I can't get through their automated system sometimes as I no longer have an active loan with them. So it does not recognize me. Also each time I call I get a difference response of what is going on. 

The agents have been ok for the most part but I should not have to beg this company for a refund that I had to double pay. The house has been paid off in full. But I have not been refunded the money I overpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and i didn't get a response within 30 days and ya 'll are Required by law to do so please investigate my disputes, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: FL
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 # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Absolute Resolutions Corp.
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, Absolute Resolutions filed a petition to collect a debt. My attorneys responded with answers, initial discovery, and written discovery in the court in the first quarter of XXXX. This was followed by aMotion for No-evidence summary judgment against Absolute Resolutionson the grounds that they failed to turn over any evidence in court to verify the debt and any ownership of it. On XX/XX/XXXX, the Court ordered a non-suit against Absolute Resolutions granting the motion for no-evidence summary judgment.They are in violation of credit reporting on this debt and through the court order are barred from bringing evidence into the court. 

Documents supporting these claims are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, Sun Trust closed my checking account and confiscated over {$5000.00}. They have been holding my money claiming that my account is under review. I have spent over 3 hours on the phone with them trying to get my account status and when my money will be released. Despite talking with 7 supervisors in their fraud department, no one is willing to give me any information. It has been 20 days since they froze my account. I desperately need access to my money!!

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 2022-09-28
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for Barclays American Airlines Aviator business card with XXXX  points sign up bonus and {$95.00} statement credit after meeting the minimum spend. I got the advertised XXXX points but not the statement credit. It has been XXXXXXXX XXXX  since I emailed Barclays about the missing credit with no response.

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 2021-11-15
Company: CMRE Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CMRE FINANCIAL SERVICES at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX has been sending me collection notices in the amount of {$550.00}. This collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing

Complaint:
I deposited a cashiers check from XXXX XXXX ( XXXX ) for {$8500.00} at the local WELLS FARGO branch- at which I am a member. 
I was told by the banker who took my check that I would have access to a portion of the funds ( {$5500.00} ) the following day ( XXXX ) and that the rest would be deposited on XX/XX/XXXX, XXXX XXXX days later. 

Number of Checks XXXX Total Checks Amount {$8500.00} Total Deposit {$8500.00} Deposit Availability {$5500.00} will be available on Tuesday, XX/XX/XXXX So, I said to myself : Okay, fair enough.. And on the strength of what the associate told me ( {$5500.00} the following day ) - I deposited the check. 

Today is Tuesday. XX/XX/XXXX and I havent had access to ANY of the aforementioned funds ( {$0.00} ) since I deposited the cashiers check! 
I even had the issuer of the CASHIERS check ( from XXXX a highly reputable bank ) to call. And they said that there was nothing that we can do.

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